Kredia is provider of short term loans for registered users in Iceland. Kredia wants to offer fast and secure services. Book and Loans Kredia allows you to buy electronic books from our collection, as well as offering you a loan. Both, the electronic book and the loan are processed within 30 minutes. The service is similar to the credit services of the banks or credit card services, but you do not need to create an account or pay annual fees or any other charges related to the transaction. Customers pay only a fee for each loan in accordance with the recommendation of the Consumer Agency.