Compare fast loans, personal loans and mortgages in one place
See the real APR and monthly instalment from banks and non-bank lenders. Compare in minutes, free and with no obligation, and apply 100% online, directly with the lender.
How much do you need?
Comparing offers on Kreditano does not affect your credit score.
I'm looking for a loan for:
We compare offers from Romania's top lenders
Primim un comision când alegi o ofertă prin Kreditano. Costul tău rămâne neschimbat. Detalii
Loan offers compared
Filter by amount and term and compare the total cost of the offers.
How it works
Tell us what you need
Choose the amount and term you need.
Compare offers
See APR, monthly payment and total cost from dozens of lenders.
Apply with the lender
We redirect you to the chosen lender's website, where you complete the application directly with them. Free.
What you can compare
All the financial products you need, in one place.
Why Kreditano?
- ✓100% free comparison with no obligation.
- ✓Offers from banks and non-bank lenders registered with the NBR.
- ✓Transparent: see APR and total cost, no surprises.
- ✓Comparing won't affect your credit score.
Frequently asked questions
Kreditano is a free financial comparison platform in Romania. In one place you compare loans, credit cards, insurance and deposits from dozens of banks and non-bank lenders, then apply online to the best offer.
Yes, completely free for you. You pay no commission. Kreditano is paid by its partners (banks and lenders) when you access a lender's website through our links, which is why the service stays free.
We receive a commission from our partners when, through Kreditano, you choose and apply for a product. This doesn't change your cost — you get exactly the same terms as directly with the lender.
No. Simply comparing offers on Kreditano leaves no trace at the Credit Bureau. A query only appears if you actually submit a loan application to a lender.
APR (annual percentage rate) expresses the total yearly cost of a loan — the nominal interest plus all mandatory fees. It's the fairest indicator for comparing two offers.
Banks usually offer lower rates and larger amounts but require more documents and take longer to approve. Non-bank lenders (IFN) approve fast, 100% online, but at a higher APR. All IFNs are registered with the National Bank (BNR).
It depends on your income, debt-to-income ratio and each lender's policy. Generally, personal loans go up to 120,000 lei and fast loans up to a few tens of thousands of lei.
It's the ratio between your total monthly payments and your net monthly income. Per BNR rules, the maximum is usually 40% of net income for loans in lei.
Usually an ID and proof of income (salary certificate or bank statement). At non-bank lenders, for small amounts, often just your ID is enough.
It depends on the lender: some online lenders transfer the money the same business day, others within 1–3 business days. At banks, assessment usually takes 1 to 3 business days. The exact timeline is on each lender's website.
It depends on the lender. Some non-bank lenders accept lower incomes or an imperfect history, but usually at a higher rate.
All products shown are in lei (RON). Most consumer and mortgage loans in Romania are granted in lei today.
IRCC is the index used to adjust variable-rate loans in Romania. When IRCC rises or falls, your variable rate changes. A fixed rate stays unchanged.
Yes. You have a legal right to early repayment. For consumer loans the early-repayment fee is capped by law (and zero for variable rates).
Yes. Through refinancing you can replace one or more loans with a new one, at a lower rate or a single monthly payment.
You must be at least 18 and usually a Romanian resident with provable income. The maximum age at the end of the loan varies by lender.
Kreditano does not ask for or collect personal data for comparison. You fill in no form with us: when you choose an offer, you are redirected to the lender's website, where the entire application process takes place. The only data processed on the site is technical (cookies and localStorage), per the Privacy Policy.
No. Kreditano does not use user accounts. You compare offers freely and submit the credit application directly on the chosen lender's website.