Kreditano is an affiliate site. We earn a commission from a bank or a lender for redirecting a clicking customer. That's our business model and there's no point in hiding it — instead we describe it openly so it's clear how it works and what it means for you.
How the affiliate cooperation works
Clicking „Apply” on an offer redirects you straight to the bank's or lender's own page. We attach a tracking parameter (sub-id) to the link so the institution knows you arrived from Kreditano. If the application — filled in on the institution's site, under their privacy policy — is accepted and finalised, the institution pays Kreditano a commission, usually 50 to 1 200 PLN, depending on product type (chwilówka, instalment loan, credit card) and amount.
We don't collect your application data ourselves — no first name, no income figure, no PESEL or bank account number. The application happens at the institution, on their page. That's why we don't fall under the KNF credit-broker register: we don't perform brokerage acts in the meaning of the Polish consumer credit law.
Kreditano charges you nothing. The RRSO and the terms of your loan are exactly the same as if you'd gone straight to the bank — the affiliate commission is part of the bank's client-acquisition cost, not an extra fee on your side.
What it means that it doesn't shape the ranking
The default order of offers is based on RRSO; under commercial agreements some lenders may occupy higher positions. You can always sort offers strictly by RRSO, instalment or total cost. Commission never changes the presented values (RRSO, instalments, costs) or the content of the guides. Full methodology: How we determine the order of offers.
Some institutions shown in the comparison have no affiliate agreement with us at all. We add them if their offers are competitive and they publish full pricing data. We earn less, but the ranking stays complete.
Your consumer rights
You can opt out of our marketing communication any time (link in every email or directly at contact [at] kreditano [dot] com). You can request data removal under GDPR. You can file a complaint with UOKiK if you find our affiliate practices misleading.
Most importantly: comparing offers on Kreditano commits you to nothing. You can compare, copy the KNF number of the firm you like, and apply directly with them, skipping our links. Your loan terms will be identical.
Legal basis
Affiliate status in Poland needs no extra licence beyond general rules on advertising and business activity. As an information intermediary, not a credit broker, we don't fall under the KNF credit-broker register. Full information about our activity sits in the Terms of service and on the About page.
We update the affiliate disclosure when the business model changes. Every change is marked with a date and a short description.