Compare loans, cards and banking products in one place.

Kreditano is a free platform for comparing financial products in Romania. You compare loans, cards, insurance and deposits in one place, then head to the website of the provider you choose.

Yes. You pay no commission for comparing. Kreditano may receive a commission when you visit a partner's website through a commercially marked link.

We may receive a commission from partners when you choose a product through Kreditano. The commercial relationship does not change the price shown by the provider.

No. Comparing offers on Kreditano does not create a query at the Credit Bureau. A query may appear after you submit an application with a lender.

The APR expresses the annual cost of the loan and includes the interest plus the known mandatory costs. Compare the APR together with the total amount payable.

Banks may have lower costs and more thorough checks. An IFN may respond faster, but the cost can be higher. Check the institution in the BNR registers.

The amount depends on your income, debt-to-income ratio, payment history and each lender's policy. The limits shown are indicative until your application is assessed.

It is the ratio between your monthly instalments and your net income. The lender calculates it alongside the other eligibility criteria.

Requirements differ. The lender may ask for your ID, proof of income, a bank statement or other documents related to the product.

The time varies from one provider to another. Some applications get an answer the same working day, while files needing extra checks can take longer.

The decision rests with the lender. Some products accept different income situations, but the approval, the amount and the cost are set after assessment.

Most of the consumer products compared are in lei. The currency is shown next to the amount and should be checked before you apply.

IRCC is an index used for some variable-rate loans. A change in the index can change your instalment in line with the contract.

Yes, subject to the contract terms and the rules that apply to the product. Check for any early repayment fee and ask the lender for a calculation before you pay.

Some products let you consolidate several obligations into a single loan. Compare the new instalment, the term and the total cost, not just the monthly saving.

The minimum age and the age accepted at the end of the loan differ between providers. The exact condition appears on the product page.

The comparison does not require a credit file on Kreditano. The application and the data needed for approval are entered in the system of the provider you choose.

Not for the comparison in this prototype. You choose the category, filter the offers and continue to the provider when you find a relevant product.