This page describes step by step how the Kreditano ranking comes together. Most Polish comparison sites don't publish this. We do, deliberately — the order of offers affects your wallet, so you deserve the full explanation of why one loan sits higher and another lower.
Data sources
We take every RRSO, every amount and every term from the public fee-and-commission tables of each bank or KNF-licensed lender. We cite the institution's own page, not a marketing leaflet. The representative example always comes from the legal formula in the Polish consumer credit law, supplied by the lender itself.
For each offer we note the date the data was pulled. It sits under every article („As of DD.MM.YYYY”). When an institution changes the terms, we move the date and the value the same working day.
What exactly we compare
Every offer card carries: minimum and maximum amount, term (from-to), RRSO, total amount due per the representative example, monthly payment. These are our only numeric comparison criteria. We don't compare „service atmosphere”, „modern app” or other subjective elements.
Promotions (for instance a first loan at 0% RRSO) always come with conditions in the footnote: up to what amount, for how many days, what happens if you slip. An ad without those details is disinformation.
How we determine the order of offers
The order of offers on Kreditano is based on RRSO (the Polish annual percentage rate) — the standard measure of the total yearly cost of credit.
Kreditano has commercial agreements with some of the presented institutions. Under those agreements, certain lenders may occupy higher positions in the default order.
Regardless of those agreements, you can always sort offers strictly by RRSO, monthly instalment or total cost — and the presented values (RRSO, instalments, costs) come from the institutions' public materials and are never altered because of a commercial relationship.
Data is updated periodically; the last-update date is visible next to each offer. Methodology last updated: 17 July 2026.
Verification in the KNF register
Every lender shown in our comparison is checked in the KNF Lender Register before we add the offer, and the full list gets rescanned quarterly. We keep the entry number in an internal editorial file and pass it on to readers on request at contact [at] kreditano [dot] com. A firm removed from the register disappears from the comparison within 48 hours. No exceptions.
Banks (as institutions supervised by KNF under the banking act) don't need a separate entry in the lender register — the list of commercial banks is kept by the Commission itself, and we use it as the primary source.
Three-step editorial process
Step one: the product editor writes the text from the institution's public documents. Step two: the compliance editor compares the content against current KNF and UOKiK guidance and the consumer credit law. Step three: a second product editor (different from the author) reads the text, fact-checks the numbers against the institution's pages. Only after these three steps do we publish.
Reporting errors
If you spot stale data, an incorrect RRSO or a missing institution, write to contact [at] kreditano [dot] com with the subject „Methodology”. We review every report within 48 working hours. If the report is sound, we update the page and reply with confirmation.
Conflicts of interest
Kreditano earns an affiliate commission from banks and lenders for redirecting clicking clients. A full description of that relationship sits on the Affiliate disclosure page. The editorial team works independently of the sales team — the affiliate relationship does not shape the presented values (RRSO, instalments, costs) or the content of the guides. The effect of commercial agreements on the default order is described openly in the section "How we determine the order of offers" above.
This methodology applies to every ranking published on kreditano.pl from the date of this page. Methodology changes are announced with a date and a short description on this same page.