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Security report for credit24.ee

Credit24 laenud ja krediit · Finance · Estonia

High risk. 8 critical or high findings in GDPR outside view, Security headers and 2 other checks.

Security score

41/100

Risk levelHigh

0–100, higher is better. How it is calculated

Credit24.ee is an established Estonian online lending platform operated by Credit24 laenud ja krediit, a subsidiary of Telia Eesti AS. The company offers credit accounts and small loans targeting consumers in Estonia. The website is professionally designed, mobile-optimized, and uses modern technologies including WordPress CMS, Google Tag Manager, and Visual Website Optimizer for marketing and analytics. The domain is well-aged and registered consistently with the business claims, indicating a legitimate and trustworthy entity. Security posture is strong with HTTPS, security headers, and cookie consent mechanisms in place, although explicit privacy and terms of service policies are missing. Overall, the website demonstrates good digital maturity and business credibility.

Scanned

This is an earlier scan of credit24.ee. View the latest report

NIS2 and GDPR posture

GDPR outside view
40/ 100 · High
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

8 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

  2. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

Need hands-on remediation? Email guard@offseq.com

Keep watching credit24.ee

This scan found 28 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
52
Security headers
15
Email security
55
DNS health
65
Network security
20
GDPR outside view
40
Average
41

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Credit24 operates in the finance sector, focusing on consumer credit and small loans within Estonia. The business model revolves around online lending services, leveraging digital marketing and analytics tools to optimize user engagement and conversion. The company benefits from the backing of Telia Eesti AS, a reputable telecommunications provider, enhancing its market position. The website's use of advanced A/B testing and tracking tools indicates a data-driven approach to customer acquisition and retention. However, the absence of explicit privacy and security policies suggests areas for compliance improvement. The target audience is primarily Estonian consumers seeking quick credit solutions, and the company maintains a consistent brand presence with good content quality.

Security posture

The website enforces HTTPS and implements key security headers such as Content-Security-Policy, X-Content-Type-Options, and X-Frame-Options, contributing to a robust security posture. Cookie consent is managed via OneTrust, aligning with GDPR requirements. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the lack of published security policies, incident response contacts, and vulnerability disclosure mechanisms represents a compliance gap and potential risk area. The extensive use of third-party analytics and marketing scripts necessitates ongoing security audits to mitigate supply chain risks. Overall, the security maturity is good but could be enhanced by formalizing policies and incident response procedures.

Recommendations

  1. Publish a comprehensive privacy policy and terms of service accessible from the website footer.
  2. Add a dedicated security policy page including incident response contact information.
  3. Implement a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  4. Enhance website accessibility features to improve compliance and user experience.
  5. Regularly review and update third-party scripts and dependencies to mitigate vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Credit24 laenud ja krediit
Description
Krediidikonto ja väikelaenud
Key services
Credit accounts, Small loans
Content quality
good
Branding
consistent

Technology

Stack
WordPress 6.8.1, jQuery 3.7.1, Google Tag Manager, Visual Website Optimizer (VWO), OneTrust Cookie Consent, Yoast SEO plugin
Frameworks
WordPress
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism
  • No exposed sensitive data in HTML
  • Use of security headers

Analytics and tracking

Services
Google Analytics, Microsoft Clarity, Visual Website Optimizer
Tracking level
extensive
Privacy practices
basic

Advertising

Ad networks
Bing Ads
Tracking pixels
Microsoft Clarity, Google Analytics (via GTM), Visual Website Optimizer
Marketing tools
Visual Website Optimizer, OneTrust Cookie Consent
Transparency
good

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenges
  2. Strong use of analytics and marketing tools with consent mechanism
  3. Lacks explicit privacy policy and terms of service pages
  4. WHOIS data aligns well with business information
  5. Good technical implementation with modern CMS and hosting
Technical notes

Notes

The website is built on WordPress 6.8.1 with jQuery 3.7.1 and integrates Google Tag Manager, Microsoft Clarity, and Visual Website Optimizer for analytics and marketing optimization. Hosting is via Amazon AWS infrastructure, indicated by AWS DNS servers. The site uses OneTrust for cookie consent management and Yoast SEO for search engine optimization. Performance is moderate with good mobile responsiveness. The technical implementation follows modern web standards with valid meta tags and structured data (JSON-LD) for SEO. Opportunities exist to improve accessibility and formalize privacy and security documentation to reduce compliance risks.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

Earlier scans of this domain

  1. 60/100Medium34 findingsView report
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