This is an informational English translation. The legally binding text is the Polish version at kreditano.pl/metodologia. In case of discrepancy, the Polish text wins.
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.
Sorting by RRSO — why that way
By default we sort offers ascending by RRSO: cheapest first, most expensive last. The Polish consumer credit law clearly points to RRSO as the only criterion that lets you compare loans with different cost structures (single commission vs variable rate, vs bundled insurance, vs processing fee). Any other order would be manipulation.
Exception: in some informal rankings (for example „credit cards with the largest cashback”) we sort by a specific parameter, always stated clearly in the section heading. We never hide the sort criterion.
Verification in the KNF register
Every lender shown in our comparison carries a number in the KNF Lender Register. We check the entry before adding every new offer and scan the list quarterly. 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 — 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 doesn't shape the methodology, the sort order or the content of the guides.
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.