CreditSoft vs Fincent
CreditSoft
creditsoft.comFincent
innovadis.comSide by side
| Figure | CreditSoft | Fincent |
|---|---|---|
| Price from | $1,095/mo | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| API | Yes | — |
| Self-hosted | Yes | — |
| Plans published | 4 | 1 |
| Spec score · Debt Management Software | 8.1 (#6) | 6.9 (#21) |
| Headquarters | Coral Springs, Florida, United States | Enschede, Netherlands |
| Implementation | The maker says most agencies go live in 30–45 days and that its team handles migration. | The maker says implementation averages 3 to 6 months depending on modules and required integrations, and includes configuration, team training, and go-live support. |
| Integrations | Listed integrations include Plaid, Authorize.Net, DocuSign, TransUnion, Equifax, Spinwheel, Google Gemini, Outlook, QuickBooks, and others. | Fincent lists integrations with case systems via the ZGW API, BRP, VISH, and the Debt Junction; the VISH and Debt Junction interfaces are included as standard. |
| Purpose | CreditSoft is an agency platform for credit counseling, debt management, housing services, and related financial services. | Fincent is an application for debt counseling that supports the process from early detection through becoming debt free. |
Plans
CreditSoft
- Professional implementation$5,500, paid once
- Front-End Essentials$13,140 a year
- Professional$29,940 a year
- CustomPriced on request
In their own words
CreditSoft
CreditSoft has no write-up on Specifiction yet; its figures are above.
Fincent
Fincent is a web application for debt counseling, covering early signs of financial difficulty through becoming debt free. Organizations can buy individual modules or a complete SaaS package, with automatic updates. The early-warning module processes signals from housing associations, energy suppliers, water suppliers, and health insurers, and includes a route planner. Debt-settlement tools support debt lists, creditor proposals, negotiations, and resident communication. Residents can view their file in a smartphone-friendly web app, sign in with DigiD, and share documents securely. Integrations include case systems through the ZGW API, BRP, VISH, and the Debt Junction; VISH and Debt Junction interfaces are standard. Fincent lists balance tracking, creditor tracking, and a counselor workspace. The maker states ISO 27001 certification, annual independent ICT security assessments, European Economic Area data centers, AVG compliance, and WCAG 2.1 AA development. Implementation averages three to six months, depending on modules and integrations. Pricing is customized by modules, municipality size, and external links.