What you can do
Repayments and total cost
Calculate using the amount, interest rate, term and costs you provide.
Refinancing
Compare two scenarios and the cost of switching a loan.
Applicable IRCC
Check the verified official value and its application period.
Register lookup
Search IFN and credit-intermediary registers. Banks are outside the scope of this tool.
Three questions to try
- Calculate repayments on RON 50,000 over 60 months at 8% nominal annual interest, with no additional costs.
- Compare refinancing a RON 100,000 balance with 120 months remaining: old interest 9%, new interest 7%, upfront cost RON 1,500, same term.
- What is the currently applicable IRCC and its application period?
Amounts and interest rates in these examples are assumptions, not loan offers.
Limits of the service
Informational calculations, not personalised financial advice, credit approval or a loan application. Credit product listings and recommendations are not available in this version.
A register match does not guarantee an institution’s safety or a website’s authenticity. No match does not establish illegality.
Getting started
Open the Kreditano page in ChatGPT, follow the connection steps available in your account and try one of the questions above. Availability depends on your account, region and ChatGPT interface. You do not need your own API key.
You can open the same page in your phone’s browser. If the option is not available, check availability in ChatGPT; we do not assume identical access across all accounts or mobile apps.
Data and privacy
When you use a tool, the values needed for the calculation or query reach the Kreditano service. Use hypothetical figures if you do not want to share your actual situation. Do not send personal identification numbers, identity documents, passwords or bank login details.
Calculation inputs are not written to the application’s tool-events log. Operational events have a 30-day retention limit checked hourly, along with size limits. OpenAI and infrastructure providers apply their own processing and retention rules.
Continuing to kreditano.ro is optional. Scenario links can carry calculation parameters in an unencrypted URL fragment. Do not share the complete link if it contains figures you do not want to disclose.
Developed by KREDITANO S.R.L. ChatGPT is an OpenAI product; this presentation does not imply a partnership with or endorsement by OpenAI.