Who we are
Kreditano is an independent comparator for loans, cards, insurance and deposits in Romania. The platform launched in 2025, built by a team with banking and retail-finance experience after reviewing the ANPC complaint dataset published between 2022 and 2024. Two patterns kept showing up there: consumers signing a loan without ever seeing the real APR, and sites promising “guaranteed approval” for products they did not actually distribute. We built Kreditano against that gap, with comparable figures, visible sources and a single table per real need.
The operator is Westend Consulting Ltd, a company registered in Malta. The editorial team works for the Romanian market in four languages (RO/EN/HU/DE), and support replies in whichever language you choose.
Our mission
We want a Romanian consumer looking for a personal loan, a credit card or motor insurance to be able to compare offers in a clean table, without hidden sponsorships and without pre-ticked boxes. We publish the representative APR, the total cost of the loan and the calculation examples required by GEO 50/2010, not just the monthly rate from the ad. We log feedback received by email separately and publish periodically notes on the team page, so it stays clear what we corrected and why.
Maria Popescu, coordinating editor: “We're tired of sites that promise guaranteed approval. Here you get the real numbers, no filters.”
How we make money
Our model is affiliate. We have commercial agreements with some of the lenders listed on Kreditano. For the other lenders we display information from their public materials, with no commercial relationship. We receive a fixed amount or a percentage when a user reaches the lender's website through our links and completes a request there. For you the cost is zero; the commission is borne by the lender from its customer-acquisition budget.
The order of offers is based on the APR; based on commercial agreements, certain lenders may occupy higher positions. The full methodology is public: How we order the offers. The displayed values (APR, costs) are never altered based on the commercial relationship.
Editorial policy
Every number we publish comes from official sources (BNR, ANPC, INS or the creditors' product sheets). Articles about loans and insurance pass through peer review between Roman Dumitrescu (former BCR analyst), Bogdan Baicu (retail-banking consultant) and Maria Popescu (financial journalist). Major changes are dated visibly at the bottom of each article.
Mistakes you flag are corrected as soon as possible, usually within a few working days at most. The official channel is corectii [at] kreditano [dot] ro. Once a year we do a full revision of older articles, with updates to payment calculations and law references, so no expired references are left in place.
Editorial team
Roman Dumitrescu covers mortgages and refinancing, after 11 years at BCR in retail credit. Bogdan Baicu writes about cards and fast loans, with a track record consulting for three local non-bank lenders. Maria Popescu coordinates insurance and investments, formerly a journalist at a Bucharest financial publication. Full list, individual profiles and editorial policy on the Editorial team page.
Legal details and contact
Operator: Westend Consulting Ltd, a company registered in Malta (no. C 113523). Contact email: contact [at] kreditano [dot] com.
For complaints about the service please contact our team first. If we cannot reach a solution, you can turn to ANPC. For disputes with a lender, the SAL-FIN mediation procedure is available.
The interest rates and offers shown are representative. Real costs depend on your profile, credit score and the lender's policies, per GEO 50/2010. The final number appears on the personalised offer signed with the chosen institution.