Creditas considers issuance of subsequent USD senior unsecured bonds 2025/2029, and a buy-back offer for its outstanding USD senior unsecured bonds 2023/2026

NOT FOR DISTRIBUTION, DIRECTLY OR INDIRECTLY, IN OR INTO OR TO ANY PERSON LOCATED OR RESIDENT IN THE UNITED STATES, ITS TERRITORIES AND POSSESSIONS, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS (AS DEFINED IN REGULATION S UNDER THE U.S. SECURITIES ACT OF 1933) OR IN OR INTO ANY OTHER JURISDICTION WHERE SUCH DISTRIBUTION WOULD BE PROHIBITED BY APPLICABLE LAW

Creditas Financial Solutions, Ltd. (“Creditas” or the “Company”) has mandated Pareto Securities AB to arrange a series of credit investor meetings commencing on 25 June 2026. In order to support the Company’s growth, Creditas is considering, subject inter alia to market conditions, the issuance of subsequent bonds in an expected total nominal amount of USD 20 million (the “New Bonds”) under the same framework as its existing senior unsecured fixed rate bonds 2025/2029. Following investor demand, Creditas will also offer, at the Company’s discretion, a buy-back offer for its existing 2023/2026 bonds (ISIN: NO0013024950) (the “2023/2026 Bonds”) with an outstanding nominal amount, net of the Company’s own holding position, of USD 15 million (the “Buy-Back”).

The proceeds from the New Bonds shall be used to finance the Buy-Back, a full refinancing of the 2023/2026 Bonds and to finance general corporate purposes of the Company and its subsidiaries.

The purchase price for the Buy-Back will be determined through a book building process, where allocation will be given towards investors participating in the issuance of the New Bonds. The Buy-Back will be undertaken at the sole discretion of the Company, and is conditional upon the successful issue of the New Bonds and subject to the terms presented to potential investors in the term sheet for the New Bonds. Investors interested in participating in the Buy-Back should contact Pareto Securities via the contact details below.

Upon the issuance of New Bonds in an amount sufficient for such purpose, Creditas, at its own discretion, contemplates exercising its right to make a voluntary early redemption of the 2023/2026 Bonds not repurchased in the Buy-Back, in accordance with the terms and conditions in respect of the 2023/2026 Bonds. The 2023/2026 Bonds will in connection with such an early redemption be redeemed at a price equal to 101.30 per cent. of the nominal amount together with any accrued and unpaid interest.

For further information, please contact:

Creditas:

Sergio Furio / Erica Stols

CEO / VP of Treasury and DCM

E-mail: [email protected]

Pareto Securities:

Ole Sebastian Rolland

DCM Syndicate

Phone: +47 22 87 88 10

E-mail: [email protected]

This press release contains information that Creditas Financial Solutions Ltd. is obliged to make public pursuant to the EU Market Abuse Regulation (596/2014/EU). The information was submitted for publication, through the agency of the contact person set out above, at 8:00 a.m. CEST on 25 June 2026.

The securities referred to herein may not be sold in the United States absent registration or an exemption from registration under the U.S. Securities Act of 1933, as amended. Creditas does not intend to register any of the securities in the United States or to conduct a public offering of the securities in the United States.

This announcement is neither an offer to purchase nor the solicitation of an offer to sell any of the securities described herein (including the New Bonds), nor shall there be any offer or sale of such securities in any jurisdiction in which such offer, solicitation or sale would be unlawful.