The Moliq index from 0 to 100 shows how resilient your finances are for a new loan, and what to do to improve them.
Not an official credit scoreCalculated in your browser
How the Moliq index is calculated
- Debt burden: up to 35 points. Maximum with no loan payments, zero at DSTI 50% (CBU limit) and above.
- Free money: up to 25 points. The share of income left after expenses and payments; maximum at 40% or more.
- Income stability: up to 15 points. Official employment 100%, pension 85%, sole proprietor/self-employed 70%, informal 35%, adjusted for work history.
- Payment discipline: up to 25 points. Self-reported: no overdue 25, up to 30 days 12, over 30 days 0. More than 3 loans: minus 5.
Scale: 80–100 excellent, 60–79 good, 40–59 average, below 40 high risk. The index is Moliq's own preliminary estimate and isn't an official credit score.