{"id":53,"date":"2026-09-03T10:12:49","date_gmt":"2026-09-03T10:12:49","guid":{"rendered":"https:\/\/credits.ocslive.com\/?page_id=53"},"modified":"2026-09-03T12:17:03","modified_gmt":"2026-09-03T12:17:03","slug":"faq","status":"publish","type":"page","link":"https:\/\/credits.ocslive.com\/mk\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"53\" class=\"elementor elementor-53\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-274541c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"274541c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f9cc2d\" data-id=\"3f9cc2d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b8a05c elementor-widget elementor-widget-html\" data-id=\"9b8a05c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- Paste this entire block into an Elementor HTML widget on the FAQ page. -->\r\n<style>\r\n  @import url('https:\/\/fonts.googleapis.com\/css2?family=Manrope:wght@200..800&display=swap');\r\n  @font-face{font-family:'Manrope';font-style:normal;font-weight:200 800;font-display:swap;src:url('\/assets\/fonts\/Manrope-var-latin.woff2') format('woff2');unicode-range:U+0000-00FF,U+2018-201E,U+2020,U+2026,U+2122,U+2212;}\r\n  @font-face{font-family:'Manrope';font-style:normal;font-weight:200 800;font-display:swap;src:url('\/assets\/fonts\/Manrope-var-cyrillic.woff2') format('woff2');unicode-range:U+0400-045F,U+0490-0491,U+04B0-04B1,U+2116;}\r\n\r\n  .nk-site{\r\n    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summary::after{transform:rotate(45deg);}\r\n  .nk-site .faq-page-panel .faq-item .faq-a{\r\n    max-width:68ch;\r\n    margin:0;\r\n    padding:0 42px 22px 4px;\r\n    color:rgba(0,0,0,.65);\r\n    font-family:var(--font-body)!important;\r\n    font-size:14.5px;\r\n    line-height:1.55;\r\n  }\r\n  .nk-site .faq-page-panel .faq-a a{color:#000;}\r\n  .nk-site .faq-page-footnote{margin-top:32px;color:rgba(0,0,0,.65);font-size:14px;}\r\n  .nk-site .faq-page-footnote a{color:#000;}\r\n\r\n  @media (max-width:760px){\r\n    .nk-site .page-header.faq-hero{height:clamp(430px,105vw,560px);min-height:430px;}\r\n  }\r\n\r\n  @media (max-width:600px){\r\n    .nk-site .faq-page-panel{margin-top:-190px;border-radius:32px 32px 0 0;}\r\n    .nk-site .faq-page-panel .faq-item summary::after{width:44px;height:44px;min-width:44px;}\r\n  }\r\n<\/style>\r\n\r\n<div class=\"nk-site\">\r\n  <section class=\"page-header on-dark faq-hero\">\r\n    <div class=\"faq-hero-media\">\r\n      <img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/faq-banner.avif\" alt=\"Person relaxing on a couch in a cozy living room, reading a book and checking their phone\" width=\"1672\" height=\"941\" loading=\"eager\" fetchpriority=\"high\">\r\n    <\/div>\r\n    <div class=\"container faq-hero-content\">\r\n      <p class=\"breadcrumb\"><a href=\"\/\"><span class=\"lang-en\">Home<\/span><span class=\"lang-mk\">\u041f\u043e\u0447\u0435\u0442\u043d\u0430<\/span><\/a><span class=\"sep\">\/<\/span><span class=\"lang-en\">FAQ<\/span><span class=\"lang-mk\">\u0427\u041f\u041f<\/span><\/p>\r\n      <h1><span class=\"lang-en\">Frequently asked questions<\/span><span class=\"lang-mk\">\u041d\u0430\u0458\u0447\u0435\u0441\u0442\u043e \u043f\u043e\u0441\u0442\u0430\u0432\u0443\u0432\u0430\u043d\u0438 \u043f\u0440\u0430\u0448\u0430\u045a\u0430<\/span><\/h1>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <section class=\"faq-page-panel\">\r\n    <div class=\"container\">\r\n      <div class=\"section-head\">\r\n        <h2><span class=\"lang-en\">General<\/span><span class=\"lang-mk\">\u041e\u043f\u0448\u0442\u043e<\/span><\/h2>\r\n      <\/div>\r\n      <div class=\"faq-list\">\r\n        <details class=\"faq-item\">\r\n          <summary><span class=\"lang-en\">What is NajdiKredit?<\/span><span class=\"lang-mk\">\u0428\u0442\u043e \u0435 NajdiKredit?<\/span><\/summary>\r\n          <p class=\"faq-a\"><span class=\"lang-en\">A free platform that matches you with a licensed lender in North Macedonia. We're not a lender or bank ourselves.<\/span><span class=\"lang-mk\">\u0411\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u0430 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430 \u043a\u043e\u0458\u0430 \u0442\u0435 \u043f\u043e\u0432\u0440\u0437\u0443\u0432\u0430 \u0441\u043e \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440 \u0432\u043e \u0421\u0435\u0432\u0435\u0440\u043d\u0430 \u041c\u0430\u043a\u0435\u0434\u043e\u043d\u0438\u0458\u0430. \u041d\u0435 \u0441\u043c\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440 \u0438\u043b\u0438 \u0431\u0430\u043d\u043a\u0430.<\/span><\/p>\r\n        <\/details>\r\n        <details class=\"faq-item\">\r\n          <summary><span class=\"lang-en\">Is it really free?<\/span><span class=\"lang-mk\">\u0414\u0430\u043b\u0438 \u0435 \u043d\u0430\u0432\u0438\u0441\u0442\u0438\u043d\u0430 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e?<\/span><\/summary>\r\n          <p class=\"faq-a\"><span class=\"lang-en\">Yes. We're paid by partners through referral fees, never by visitors. See <a href=\"\/licenses-disclosures\/\">Licenses &amp; Disclosures<\/a>.<\/span><span class=\"lang-mk\">\u0414\u0430. \u0421\u0435 \u043f\u043b\u0430\u045c\u0430\u043c\u0435 \u043e\u0434 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0438\u0442\u0435 \u043f\u0440\u0435\u043a\u0443 \u043f\u0440\u043e\u0432\u0438\u0437\u0438\u0438 \u0437\u0430 \u043f\u0440\u0435\u043f\u043e\u0440\u0430\u043a\u0430, \u043d\u0438\u043a\u043e\u0433\u0430\u0448 \u043e\u0434 \u043f\u043e\u0441\u0435\u0442\u0438\u0442\u0435\u043b\u0438\u0442\u0435. \u0412\u0438\u0434\u0438 <a href=\"\/licenses-disclosures\/\">\u041b\u0438\u0446\u0435\u043d\u0446\u0438 \u0438 \u043e\u0431\u0435\u043b\u043e\u0434\u0435\u043d\u0443\u0432\u0430\u045a\u0430<\/a>.<\/span><\/p>\r\n        <\/details>\r\n        <details class=\"faq-item\">\r\n          <summary><span class=\"lang-en\">Does comparing affect my credit score?<\/span><span class=\"lang-mk\">\u0414\u0430\u043b\u0438 \u0441\u043f\u043e\u0440\u0435\u0434\u0431\u0430\u0442\u0430 \u0432\u043b\u0438\u0458\u0430\u0435 \u043d\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0438\u043e\u0442 \u0440\u0435\u0458\u0442\u0438\u043d\u0433?<\/span><\/summary>\r\n          <p class=\"faq-a\"><span class=\"lang-en\">No. Browsing and comparing never involves a credit check. A partner may run one once you apply directly with them.<\/span><span class=\"lang-mk\">\u041d\u0435. \u041f\u0440\u0435\u0433\u043b\u0435\u0434\u0443\u0432\u0430\u045a\u0435\u0442\u043e \u0438 \u0441\u043f\u043e\u0440\u0435\u0434\u0431\u0430\u0442\u0430 \u043d\u0438\u043a\u043e\u0433\u0430\u0448 \u043d\u0435 \u0432\u043a\u043b\u0443\u0447\u0443\u0432\u0430\u0430\u0442 \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0430 \u043d\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430 \u0438\u0441\u0442\u043e\u0440\u0438\u0458\u0430. \u041f\u0430\u0440\u0442\u043d\u0435\u0440\u043e\u0442 \u043c\u043e\u0436\u0435 \u0434\u0430 \u043d\u0430\u043f\u0440\u0430\u0432\u0438 \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0430 \u043e\u0442\u043a\u0430\u043a\u043e \u0434\u0438\u0440\u0435\u043a\u0442\u043d\u043e \u045c\u0435 \u0430\u043f\u043b\u0438\u0446\u0438\u0440\u0430\u0448 \u043a\u0430\u0458 \u043d\u0435\u0433\u043e.<\/span><\/p>\r\n        <\/details>\r\n      <\/div>\r\n\r\n      <div class=\"section-head\" style=\"margin-top:56px;\">\r\n        <h2><span class=\"lang-en\">Loans<\/span><span class=\"lang-mk\">\u041a\u0440\u0435\u0434\u0438\u0442\u0438<\/span><\/h2>\r\n      <\/div>\r\n      <div class=\"faq-list\">\r\n        <details class=\"faq-item\">\r\n          <summary><span class=\"lang-en\">Why is the APR shown as \"representative\"?<\/span><span class=\"lang-mk\">\u0417\u043e\u0448\u0442\u043e \u0413\u041a\u0421 \u0435 \u043f\u0440\u0438\u043a\u0430\u0436\u0430\u043d\u0430 \u043a\u0430\u043a\u043e \"\u0440\u0435\u043f\u0440\u0435\u0437\u0435\u043d\u0442\u0430\u0442\u0438\u0432\u043d\u0430\"?<\/span><\/summary>\r\n          <p class=\"faq-a\"><span class=\"lang-en\">Your actual rate depends on the amount, term and your individual assessment. The representative APR is what a typical qualifying applicant could expect, not a guaranteed price.<\/span><span class=\"lang-mk\">\u0422\u0432\u043e\u0458\u0430\u0442\u0430 \u0432\u0438\u0441\u0442\u0438\u043d\u0441\u043a\u0430 \u0441\u0442\u0430\u043f\u043a\u0430 \u0437\u0430\u0432\u0438\u0441\u0438 \u043e\u0434 \u0438\u0437\u043d\u043e\u0441\u043e\u0442, \u0440\u043e\u043a\u043e\u0442 \u0438 \u0442\u0432\u043e\u0458\u0430\u0442\u0430 \u0438\u043d\u0434\u0438\u0432\u0438\u0434\u0443\u0430\u043b\u043d\u0430 \u043f\u0440\u043e\u0446\u0435\u043d\u043a\u0430. \u0420\u0435\u043f\u0440\u0435\u0437\u0435\u043d\u0442\u0430\u0442\u0438\u0432\u043d\u0430\u0442\u0430 \u0413\u041a\u0421 \u0435 \u043e\u043d\u0430 \u0448\u0442\u043e \u0442\u0438\u043f\u0438\u0447\u0435\u043d \u043a\u0432\u0430\u043b\u0438\u0444\u0438\u043a\u0443\u0432\u0430\u043d \u0430\u043f\u043b\u0438\u043a\u0430\u043d\u0442 \u043c\u043e\u0436\u0435 \u0434\u0430 \u0433\u043e \u043e\u0447\u0435\u043a\u0443\u0432\u0430, \u043d\u0435 \u0433\u0430\u0440\u0430\u043d\u0442\u0438\u0440\u0430\u043d\u0430 \u0446\u0435\u043d\u0430.<\/span><\/p>\r\n        <\/details>\r\n        <details class=\"faq-item\">\r\n          <summary><span class=\"lang-en\">What if I can't repay on time?<\/span><span class=\"lang-mk\">\u0428\u0442\u043e \u0430\u043a\u043e \u043d\u0435 \u043c\u043e\u0436\u0430\u043c \u0434\u0430 \u043f\u043b\u0430\u0442\u0430\u043c \u043d\u0430\u0432\u0440\u0435\u043c\u0435?<\/span><\/summary>\r\n          <p class=\"faq-a\"><span class=\"lang-en\">Contact your lender directly as soon as possible &mdash; most have a hardship or rescheduling process. Missing payments affects your credit history and can add late fees.<\/span><span class=\"lang-mk\">\u041a\u043e\u043d\u0442\u0430\u043a\u0442\u0438\u0440\u0430\u0458 \u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u043e\u0442 \u0434\u0438\u0440\u0435\u043a\u0442\u043d\u043e \u0448\u0442\u043e \u043f\u043e\u0441\u043a\u043e\u0440\u043e &mdash; \u043f\u043e\u0432\u0435\u045c\u0435\u0442\u043e \u0438\u043c\u0430\u0430\u0442 \u043f\u0440\u043e\u0446\u0435\u0441 \u0437\u0430 \u043e\u0434\u043b\u043e\u0436\u0443\u0432\u0430\u045a\u0435 \u0438\u043b\u0438 \u0440\u0435\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0438\u0440\u0430\u045a\u0435. \u041f\u0440\u043e\u043f\u0443\u0448\u0442\u0435\u043d\u0438\u0442\u0435 \u043f\u043b\u0430\u045c\u0430\u045a\u0430 \u0432\u043b\u0438\u0458\u0430\u0430\u0442 \u043d\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u0442\u0430 \u0438\u0441\u0442\u043e\u0440\u0438\u0458\u0430 \u0438 \u043c\u043e\u0436\u0430\u0442 \u0434\u0430 \u0434\u043e\u0434\u0430\u0434\u0430\u0442 \u043a\u0430\u0437\u043d\u0435\u043d\u0438 \u0442\u0440\u043e\u0448\u043e\u0446\u0438.<\/span><\/p>\r\n        <\/details>\r\n      <\/div>\r\n\r\n      <p class=\"faq-page-footnote\">\r\n        <span class=\"lang-en\">Still have a question? <a href=\"\/contact-us\/\">Contact us<\/a>.<\/span>\r\n        <span class=\"lang-mk\">\u0421\u00e8 \u0443\u0448\u0442\u0435 \u0438\u043c\u0430\u0448 \u043f\u0440\u0430\u0448\u0430\u045a\u0435? <a href=\"\/contact-us\/\">\u041a\u043e\u043d\u0442\u0430\u043a\u0442\u0438\u0440\u0430\u0458 \u043d\u00e8<\/a>.<\/span>\r\n      <\/p>\r\n    <\/div>\r\n  <\/section>\r\n<\/div>\r\n\r\n<script>\r\n  (function(){\r\n    document.querySelectorAll('.nk-site details.faq-item').forEach(function(item){\r\n      if(item.dataset.nkFaqReady === '1') return;\r\n      item.dataset.nkFaqReady = '1';\r\n\r\n      var summary = item.querySelector('summary');\r\n      if(!summary || !item.animate) return;\r\n\r\n      summary.addEventListener('click', function(e){\r\n        e.preventDefault();\r\n        if(item.dataset.animating === '1') return;\r\n\r\n        item.dataset.animating = '1';\r\n        var opening = !item.open;\r\n        var start = item.offsetHeight;\r\n\r\n        if(opening) item.open = true;\r\n\r\n        var end = opening ? item.scrollHeight : summary.offsetHeight + 2;\r\n        var animation = item.animate(\r\n          {height:[start + 'px', end + 'px']},\r\n          {duration:240,easing:'cubic-bezier(.2,.8,.2,1)'}\r\n        );\r\n\r\n        animation.onfinish = function(){\r\n          if(!opening) item.open = false;\r\n          item.dataset.animating = '0';\r\n        };\r\n\r\n        animation.oncancel = function(){\r\n          item.dataset.animating = '0';\r\n        };\r\n      });\r\n    });\r\n  })();\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home\u041f\u043e\u0447\u0435\u0442\u043d\u0430\/FAQ\u0427\u041f\u041f Frequently asked questions\u041d\u0430\u0458\u0447\u0435\u0441\u0442\u043e \u043f\u043e\u0441\u0442\u0430\u0432\u0443\u0432\u0430\u043d\u0438 \u043f\u0440\u0430\u0448\u0430\u045a\u0430 General\u041e\u043f\u0448\u0442\u043e What is NajdiKredit?\u0428\u0442\u043e \u0435 NajdiKredit? A free platform that matches you with a licensed lender in North Macedonia. We&#8217;re not a lender or bank ourselves.\u0411\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u0430 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430 \u043a\u043e\u0458\u0430 \u0442\u0435 \u043f\u043e\u0432\u0440\u0437\u0443\u0432\u0430 \u0441\u043e \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440 \u0432\u043e \u0421\u0435\u0432\u0435\u0440\u043d\u0430 \u041c\u0430\u043a\u0435\u0434\u043e\u043d\u0438\u0458\u0430. \u041d\u0435 \u0441\u043c\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440 \u0438\u043b\u0438 \u0431\u0430\u043d\u043a\u0430. Is it really free?\u0414\u0430\u043b\u0438 \u0435 \u043d\u0430\u0432\u0438\u0441\u0442\u0438\u043d\u0430 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e? Yes. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-53","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/pages\/53","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/comments?post=53"}],"version-history":[{"count":7,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/pages\/53\/revisions"}],"predecessor-version":[{"id":233,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/pages\/53\/revisions\/233"}],"wp:attachment":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/media?parent=53"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}