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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 choose an offer, 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.
With online lenders the answer can come in minutes and the money the same day. With banks, approval usually takes 1–3 working days.
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.
Yes. Your data is transmitted securely and used only to offer comparisons and connect you with the chosen lender, per GDPR.
No. You can compare offers and apply without an account. An account (optional) lets you save offers, see your estimated score and get alerts.