This is an informational English translation. The legally binding text is the Polish version at kreditano.pl/o-nas. In case of any discrepancy, the Polish text takes precedence.
Kreditano is a comparison site for loans and financial products in Poland. We help you compare offers for cash loans, online loans, credit cards, mortgages and other products from Polish banks and KNF-licensed lenders — free of charge.
How it works
You pick what you're looking for. You see offers side by side with RRSO (the Polish APR), monthly payment and total cost. You click „Apply" and go straight to the institution you chose. The application happens with them, not with us. Comparing is fully free.
How we earn
The bank or lender pays us an affiliate commission when a customer reaches their system through our link. This doesn't change your RRSO and doesn't change the terms of the offer — you get exactly what you'd see at the bank branch. The fee doesn't decide the order of the listings or our editorial view on a product.
What we are not
We are not a bank, a lender or a credit broker. We don't grant loans. We're an information and comparison site; you always sign the contract directly with the institution you picked.
Editorial team
We write as a small team — editors with several years of experience in Polish banking and the financial press. This is not a generic „content team" — every guide is read by someone who actually knows the topic. We keep a deliberately human tone, because the Polish internet already has too many finance texts that read like a user manual.
We check the offers in the comparison against the public fee tables of each bank and lender. When an institution changes RRSO, we update, usually the same day, sometimes within a week. If you spot something stale — write to us, we'll fix it fast.
How we verify content
Before we publish or update a guide, someone reads the text alongside the institution's own page and — when the topic calls for it — alongside public guidance from KNF or UOKiK. Then a second editor reads it (different from the one who wrote it). Rates change. Every article shows the date of the last update so you know how fresh the text is.
Experience and trust (E-E-A-T)
We prepare content with a focus on accuracy and clarity. We cite official Polish sources: KNF (the Polish Financial Supervision Authority), UOKiK (Consumer Protection Office), NBP (National Bank of Poland) and BIK (Polish Credit Bureau). We verify the information on a regular schedule.
Editorial policy
The editorial team works separately from the sales team. Affiliate cooperation with banks and lenders does not decide the order of offers, the content of guides or what we cover. By default we sort offers from lowest to highest RRSO — cheapest first — in line with the Polish consumer credit law's principle that RRSO is the only fair criterion for comparing loans.
Contacting the editorial team
Found stale data, or want to suggest a topic? Write to contact [at] kreditano [dot] com with the subject „Editorial". We reply during working hours (Monday–Friday, 09:00–17:00 Polish time).
Who runs Kreditano
Kreditano is operated by Westend Consulting Ltd, a company registered in Malta at THE CORE, Triq il-Wied ta' l-Imsida, Msida, MSD 9021, Malta. Write to contact [at] kreditano [dot] com.
The RRSO, fees and terms shown in the comparison are representative. The final RRSO and terms are set by the institution after they review your credit profile — always verify the terms with the institution before signing.