How to use the list
Choose the category first, then enter the amount and term you need. Sort by APR when cost is your priority.
If a figure has not been confirmed from the lender source, the card asks you to verify it before applying.
Why some cards do not show APR
APR stays hidden when the lender's public document does not confirm a representative cost. Annualisation can produce percentages in the hundreds for very short loans; compare the amount received, term and total repayment too.
The category changes the comparison
For 4,750 lei over a short term, a fast loan may respond sooner, but annualisation can make APR very high.
At 47,500 lei over more than 36 months, check personal loans or refinancing first.
A card suits purchases cleared in the grace period; mortgages and car loans require a separate look at down payment and security.
What to check before continuing
Open the representative example and the SECCI sheet. Compare total repayment, fees, income conditions and early repayment rules.
This list does not replace the personalised offer issued after the lender assessment.
Narrow the search to personal loans, fast loans, refinancing or mortgages.
Comparing on Kreditano does not open a Credit Bureau inquiry.
Bogdan Băicu, editor: “When I review a list, I start with the confirmed cost and only then look at speed.” For pre-contract information rules we consult ANPC, while an institution's status is checked in the NBR registers. No card summary takes precedence over lender documents.