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.
How we check content
We start with documents published by the bank or lender: fee tables, product terms and the representative example. We check the institution's status in the public KNF registers. For consumer-law questions we use UOKiK material, while reference-rate information comes from NBP announcements.
Not every term can be known in advance. Final RRSO depends on the applicant's profile, so ranges in the comparison are a reference point, not a promise of approval. If an institution does not publish a condition, we do not fill the gap with a guess.
Found a rate that differs from the institution's page? Send the product name and link through the contact page. We will check the source and correct the wording or add the date to which it applies.
KNF Register — how we verify lenders
Every lender shown in the comparison is checked in the KNF Lender Register before we add the offer, and 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 with the subject „KNF number: [firm name]". If a firm is removed from the register, it disappears from the comparison within 48 hours. No exceptions.
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.
Official sources
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 materials covered in our glossary and BIK (Polish Credit Bureau). We verify the information on a regular schedule.
Official Kreditano profiles
We publish company updates on LinkedIn. Videos appear on the YouTube @Kreditano channel. These are the only social profiles identified as official on this page.
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.