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Security report for credit24.lt

UAB „IPF Digital Lietuva“ · Finance · Lithuania

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

59/100

Risk levelMedium

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

Credit24.lt is a Lithuanian online financial services provider specializing in fast consumer loans and credit lines up to 5,000 EUR with quick approval times of approximately 15 minutes. The company operates under UAB „IPF Digital Lietuva“ and is part of the IPF Digital Group LTD, with a strong presence in the Baltic region and other international markets. The website is professionally designed, mobile-optimized, and provides clear information about loan products, terms, and customer support channels. Technically, the site uses modern web technologies including React, Google Tag Manager, and integrates multiple analytics and advertising platforms. Security posture is strong with HTTPS enforced, security headers present, and no visible vulnerabilities. Privacy compliance is well addressed with cookie consent mechanisms and comprehensive privacy policies in Lithuanian. Overall, Credit24.lt presents a credible, trustworthy, and user-friendly platform for consumers seeking quick financial solutions.

Scanned

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

7 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.lt

This scan found 27 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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Full report

€39.90one-time

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Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
82
Security headers
15
Email security
50
DNS health
65
Network security
100
GDPR outside view
40
Average
59

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 holds a solid market position in Lithuania's fast loan sector, serving over 226,000 clients. Its business model focuses on online lending with flexible credit lines and refinancing options. The company leverages digital marketing and analytics tools to optimize customer acquisition and retention. Partnerships with related brands like Creditea expand its service offerings and geographic reach. The company emphasizes responsible lending and transparent pricing, which supports customer trust and regulatory compliance. Growth potential exists through further digital innovation and regional expansion.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, comprehensive security headers, and no exposed sensitive data. However, there is no publicly available dedicated security policy or incident response contact, which could enhance transparency and preparedness. The use of third-party scripts and ad networks is standard but requires ongoing monitoring to mitigate supply chain risks. GDPR compliance is evident through cookie consent and privacy policy disclosures. Overall, the security measures align well with industry expectations for a financial services website.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and controls.
  2. Provide clear incident response contact information to improve transparency and trust.
  3. Implement a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  4. Enhance website accessibility features to meet higher compliance standards.
  5. Regularly review and audit third-party scripts and ad networks for security and privacy risks.

Contact details published on the site

Addresses
Legal name
UAB „IPF Digital Lietuva“
VAT number
LT100005126616
Registration number
300622891
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
UAB „IPF Digital Lietuva“
Description
Credit24 provides fast online loans up to 5,000 EUR with repayment terms up to 36 months, offering quick loan approval within 15 minutes. The service targets Lithuanian consumers seeking convenient and responsible borrowing options.
Key services
Credit line, Consumer loans, Loan refinancing
Content quality
good
Branding
consistent

Technology

Stack
React, Google Tag Manager, Google Analytics, Hotjar, Bing Ads, OneTrust Cookie Consent
Frameworks
React
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

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

Analytics and tracking

Services
Google Analytics, Hotjar, Bing Ads
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ads, Bing Ads, Adform, AppNexus (secure.adnxs.com)
Tracking pixels
Hotjar, Bing Ads, Facebook Pixel
Marketing tools
Hotjar, 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 focus on Lithuanian market with localized content and language.
  3. Comprehensive cookie consent and privacy policy implementation.
  4. Use of modern web technologies and analytics tools.
  5. Clear contact information and customer support channels.
  6. No visible security or compliance red flags.
  7. Business is part of a larger international group with multiple subsidiaries.
Technical notes

Notes

Credit24.lt is built on a modern React framework with integration of Google Tag Manager, Google Analytics, Hotjar, and Bing Ads for marketing and analytics. The site is hosted on AWS infrastructure, ensuring scalability and reliability. Performance is moderate with good mobile optimization and SEO practices including meta tags and structured data. Accessibility is basic and could be improved. The technical implementation supports a smooth user experience with clear navigation and responsive design. There is no indication of legacy technology or technical debt, positioning the site well for future enhancements.
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

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