# Kreditano — full text for LLMs Kreditano is the company behind independent credit-comparison platforms in Mexico, Romania, Poland, Colombia. Each platform runs in the local language, around local lenders, and shows the locally regulated rate term. This file contains the English corporate pages, legal documents and guides published on kreditano.com. Operated by: Westend Consulting Ltd. Company registration: C 113523 Registered office: The Core, Triq il-Wied ta' l-Imsida, Msida MSD 9021, Malta Corporate site: https://kreditano.com Business model: free for consumers, funded by advertising. Advertising placement never changes the ranking order of offers. Kreditano is not a lender or a financial adviser; everything published is general guidance, not personalised advice. ## Kreditano — Trusted credit comparison across borders URL: https://kreditano.com/en/ Kreditano is the company behind independent credit-comparison platforms in Mexico, Romania, Poland and Colombia. Our job is simple to say and hard to do well: help people borrow with clarity, on terms they can trust, in every market we enter. ### What we do to earn trust - Independent comparison: We compare offers on the merits, not on who pays us most. Our rankings follow clear, consistent criteria. - Full transparency: We explain how the service works and how we make money. No hidden fees, ever. Kreditano is free for you. - Your data, protected: We treat your data with care and follow strict privacy and security standards in every market we operate in. ### How Kreditano works - Tell us what you need: Share a few details about the credit you are looking for. - Compare real offers: See relevant options side by side, with clear terms and costs. - Choose with confidence: Pick the offer that fits and continue with the provider. The decision is always yours. A brand built on trust: Credit is a serious decision. That is why transparency, data protection and editorial independence sit at the heart of everything we do. ## About Kreditano URL: https://kreditano.com/en/about/ Kreditano is a credit comparison brand on a mission to make borrowing clearer and fairer. What began in one country now helps people across Europe and Latin America compare credit with confidence. ### Our mission To help people make better financial decisions by making credit transparent, comparable and easy to understand, wherever they are. ### Our vision A world where choosing a loan is as clear and trustworthy as it should be, with no hidden costs and no pressure. ### Our story Kreditano began in Mexico with kreditano.mx. Romania, Poland and Colombia followed under the same brand, with the same standards of transparency and independence. ### What we stand for - People first: Every decision starts with what is genuinely useful for the people we serve. - Honesty: We say how things really work, including how we earn money. - Independence: Our comparisons are not for sale. ### From one market to a cross-border group - The foundation: Mexico: Kreditano began in Mexico with kreditano.mx. The aim was practical: put credit offers next to one another, explain the costs in the terms used locally and let people make their own decision. - Into Europe — Romania and Poland: Kreditano.ro and kreditano.pl opened in 2026. Each site uses the local language and rate terminology, while the group shares one policy on ranking independence and data protection. - Latin America again — Colombia: Kreditano.co opened in 2026 for Colombia. It presents offers using the local effective annual rate, alongside the instalment and total cost where providers supply those figures. ## How it works — Kreditano URL: https://kreditano.com/en/how-it-works/ Kreditano is not a lender. It is the comparison layer between people and the market: gathering offers, putting them on equal footing, and leaving the decision where it belongs, with you. ### How an offer reaches you - You set the brief: Tell us the kind of credit you're after. A few details, a moment of your time. - We standardise it: Our engine puts every lender's terms into one common format, so nothing hides in the footnotes. - Offers come in: We gather current options from our network of partner lenders and check them against consistent criteria. - Ranked, side by side: You see what actually matters: rate, total cost and conditions, lined up to compare in seconds. ### Transparency, by default Providers pay us when a user chooses certain offers. That is the whole business model, and we will say it plainly: it never buys a better position. The criteria are identical whether a lender pays us a little, a lot, or nothing at all. ### Free for you, always - Comparing offers is free, and it stays free. - Your place in the ranking is never for sale. - Your personal data isn't for sale either. ### Frequently asked questions #### Is Kreditano a lender? No. We are a comparison service. You apply and borrow directly with the provider you choose; we are not part of that contract. #### What does it cost me? Nothing. Comparing offers on a Kreditano platform is free, and it always will be. #### How does Kreditano make money? Providers pay us a commission when users go ahead with certain offers. It never changes the price you pay and never influences the ranking. #### Are the rankings paid placements? No. Offers are ordered by clear, consistent criteria, not by who pays the most. #### Do you sell my data? No. We do not sell your personal data. Our Privacy Policy sets out exactly what we process and why. ## Trust & safety — Kreditano URL: https://kreditano.com/en/trust/ Money decisions demand trust, and trust is earned in specifics. Here is how we protect your data, keep our comparisons independent, and meet the rules in every market we operate in. ### Trust & safety - Data security & privacy: We protect your data with strict security practices and handle it in line with applicable privacy laws, including the GDPR in the European Union. - Editorial independence: Our comparisons and content follow clear, consistent criteria. Commercial relationships never decide how offers rank or what we recommend. - Transparency: We are open about who we are, how the service works and how we earn money, so you can trust what you see. - Regulatory compliance: We operate in line with the local rules that apply to credit comparison and intermediation in each of our markets. ### Global standards, local compliance - Mexico — Local financial-consumer protection: We operate in line with the consumer rules that apply to credit comparison in Mexico. - Romania — EU GDPR · consumer-credit rules: As an EU market, Romania is covered by the GDPR and European consumer-credit standards. - Poland — EU GDPR · consumer-credit rules: As an EU market, Poland is covered by the GDPR and European consumer-credit standards. - Colombia — Local financial-consumer protection: We operate in line with the consumer and personal-data rules that apply to credit comparison in Colombia. - South Africa — Preparing to launch: South Africa is next. We are setting the platform up against the local credit and data-protection rules before it opens. ## Markets URL: https://kreditano.com/en/markets/ ### Mexico — kreditano.mx Live since 2025. Local language: Español. Rate shown as CAT (the locally regulated way to express the total cost of borrowing). ### Romania — kreditano.ro Live since 2026. Local language: Română. Rate shown as DAE (the locally regulated way to express the total cost of borrowing). ### Poland — kreditano.pl Live since 2026. Local language: Polski. Rate shown as RRSO (the locally regulated way to express the total cost of borrowing). ### Colombia — kreditano.co Live since 2026. Local language: Español. Rate shown as Tasa E.A. (the locally regulated way to express the total cost of borrowing). ### South Africa — kreditano.co.za Coming soon. The platform is being built against local rules before launch. ### How each platform works - Local by design: Every platform runs in the country’s own language, around lenders that actually operate there — not a translated copy of one template. - One honest number: We lead with the rate the local regulator requires — CAT in Mexico, DAE in Romania, RRSO in Poland, Tasa E.A. in Colombia — so costs compare like for like. - Independent ranking: Advertising funds the service but never buys a position. The order follows the same published criteria in every market. ## Partner portal — Kreditano URL: https://kreditano.com/en/partners/ Banks and lenders manage their advertising across Romania, Poland and Mexico from a single account. No separate logins per country, and no spreadsheets going back and forth. ### Everything in one account - One login for every campaign: Manage your placements on kreditano.ro, kreditano.pl and kreditano.mx without switching accounts. - Book a slot yourself: Pick a placement from a visual map of the site, set your monthly bid and dates, then send your creative for review. - See how it's doing: Impressions, clicks and leads update through the day, split by market, slot and campaign. - Invoices in one place: Monthly statements stay in the portal, so your finance team always has the paperwork on hand. Already work with Kreditano?: Sign in to manage your campaigns and open your latest reports. Access is by invitation. New advertisers start with a short conversation with our team. ## Get in touch with Kreditano URL: https://kreditano.com/en/contact/ Lenders, journalists and general enquiries can all start here. We route each message to the right person. Global headquarters: Westend Consulting Ltd., The Core, Triq il-Wied ta' l-Imsida, Msida MSD 9021, Malta. ### How can we help? - Partnerships: Lenders and platforms looking to work with Kreditano. Email: partnership@kreditano.com - Press & media: Interviews, data and press enquiries. Email: contact@kreditano.com - Sales enquiries: Advertising, sponsored placements and commercial proposals across our markets. Email: sales@kreditano.com ## Legal documents ### Privacy policy URL: https://kreditano.com/en/legal/privacy/ Last updated: 2026-06-21 This Privacy Policy explains how we collect and process personal data through this website (kreditano.com), the corporate and informational site of the Kreditano brand. This website is not the credit-comparison platform itself — our country platforms (kreditano.ro, kreditano.mx, kreditano.pl) operate under their own separate privacy policies. #### 1. Who is responsible for your data (controller) The data controller for this website is the company identified in the “Data controller” box above. You can contact us about privacy matters using the email address shown there. #### 2. What data we collect We keep data collection to a minimum on this site: - Contact form data: when you send us a message, we process the name, email address, subject and message content you provide. - Technical/server data: like most websites, our server may log limited technical information (such as IP address, browser type and time of request) for security and to keep the service running. - We use cookieless analytics (Ahrefs Web Analytics, Cloudflare Web Analytics and Google Analytics in cookieless mode) to understand aggregate traffic; they do not set cookies or build user profiles. We do not run advertising tracking on this site. #### 3. Why we process it and our legal bases (GDPR Art. 6) - To respond to your enquiry — based on our legitimate interest in answering you, and/or steps taken at your request. - To keep the website secure and operational — based on our legitimate interest in protecting our systems. - To comply with legal obligations where applicable. #### 4. Sharing and processors We do not sell your personal data. We use a small number of trusted service providers who act on our behalf under data-processing terms: - Email delivery (Resend) — to transmit and deliver contact-form messages to us. - Hosting — our website infrastructure provider. - Web fonts — typography is currently loaded via Google Fonts, which may receive your IP address when the page loads. (Self-hosting fonts is a recommended hardening step.) - Analytics — Google Analytics (in cookieless mode), Ahrefs Web Analytics and Cloudflare Web Analytics, to measure aggregate traffic. These do not set cookies; Google Analytics still transmits basic, non-identifying measurement data to Google (United States). #### 5. International transfers Where a provider processes data outside the European Economic Area, we rely on appropriate safeguards (such as the European Commission’s Standard Contractual Clauses) to protect your data. #### 6. How long we keep it We retain contact messages only for as long as needed to handle your request and for a reasonable follow-up period, after which they are deleted or anonymised. Server logs are kept for a short period for security purposes. #### 7. Your rights Under the GDPR you have the right to: - access the personal data we hold about you; - have inaccurate data corrected; - have your data erased; - restrict or object to processing; - data portability; - withdraw consent at any time, where processing is based on consent. #### 8. Complaints If you believe we have not handled your data properly, you may lodge a complaint with the Maltese supervisory authority, the Information and Data Protection Commissioner (IDPC), or your local data-protection authority. #### 9. Changes to this policy We may update this policy from time to time. The “last updated” date above reflects the latest version. ### Cookie policy URL: https://kreditano.com/en/legal/cookies/ Last updated: 2026-06-21 This Cookie Policy explains how this website uses cookies and similar technologies. #### 1. Our current approach This website uses privacy-friendly analytics (Ahrefs Web Analytics, Cloudflare Web Analytics and Google Analytics in cookieless mode) that do not use cookies and do not track you across other websites. We do not use advertising or cross-site tracking cookies, and we do not build advertising profiles. Because no non-essential cookies are set, no cookie-consent banner is required. #### 2. Strictly necessary technologies We rely only on what is strictly necessary to serve the website securely. Your language preference is reflected in the page URL (for example /en/, /ro/), and your light/dark theme choice is stored locally on your device (localStorage) as a functional preference — neither is a tracking cookie. #### 3. Third-party services - Web fonts are loaded via Google Fonts, which may receive your IP address. Self-hosting the fonts removes this third-party request. - The contact form sends your message to us via our email provider; this happens server-side and does not place cookies on your device. #### 4. Future changes If we introduce analytics or other non-essential cookies in the future, we will update this policy and present a cookie-consent banner so you can choose before any such cookies are set. ### Terms of use URL: https://kreditano.com/en/legal/terms/ Last updated: 2026-06-21 These Terms of Use govern your use of this website (kreditano.com), the corporate and informational site of the Kreditano brand operated by the company identified above. #### 1. About this website This website provides general information about the Kreditano brand, who we are and where we operate. It is not the credit-comparison service itself — comparison takes place on our separate country platforms, each with its own terms. #### 2. Not financial advice Information on this site is provided for general informational purposes only and does not constitute financial, legal or other professional advice. We are not a lender and do not grant credit. You should make borrowing decisions based on your own circumstances and, where appropriate, independent advice. #### 3. How we are funded Kreditano’s comparison platforms may earn a commission from providers when users choose certain offers. This does not change the price you pay and does not influence our independent comparison criteria. #### 4. Accuracy and availability We work to keep information accurate and up to date, but we do not warrant that it is complete, current or error-free, and we may change or suspend the website at any time. #### 5. External links This site links to our country platforms and may link to third-party sites. We are not responsible for the content or practices of external websites. #### 6. Intellectual property The Kreditano name, logo and the content of this website are protected and may not be used without our permission. #### 7. Governing law These terms are governed by the laws of Malta, and the courts of Malta have jurisdiction, without prejudice to any mandatory consumer-protection rights you may have in your country of residence. #### 8. Contact Questions about these terms can be sent to the email address shown above. ## Guides URL: https://kreditano.com/en/insights/ ### What to check before you sign a loan URL: https://kreditano.com/en/insights/what-to-check-before-taking-a-loan/ Published: 2026-05-12 Most people judge a loan by one number: the interest rate. It is the wrong place to stop. Two loans advertised at the same rate can cost very different amounts once the fees, the term and the small print are in the picture. Here is what to read before you commit. #### The APR, not the headline rate The advertised rate is built to make a loan sound cheap. The annual percentage rate is the honest figure, because it folds in the costs you would otherwise meet later. Put two APRs next to each other and, for the first time, you are comparing like with like. #### The fees, added up An arrangement fee here. A penalty for repaying early there. A charge if a payment slips. On their own they look minor; together they can turn the "cheaper" loan into the dearer one. Ask for the total cost of the credit, in money, across the whole term. Not a percentage. An amount. #### A payment that survives a bad month A repayment that fits comfortably today should still fit if your income dips or an unexpected bill arrives. If the budget only works when everything goes right, the loan is too big. Plan against the bad month, not the good one. #### Who you are actually borrowing from Check that the lender is authorised to operate where you live, and look at how it treats the customers it already has. A slightly higher rate from a provider you can reach beats a cheaper one that goes quiet the moment something goes wrong. #### The clause nobody reads Can you repay early without a penalty? After a missed payment, is there a grace period or do the charges start at once? These answers sit in the fine print, and they are the ones that bite months later. Lining offers up side by side is the quickest way to catch all of this at once — which is exactly the job a good comparison tool should do for you. --- ### What a comparison site really does URL: https://kreditano.com/en/insights/how-credit-comparison-works/ Published: 2026-04-28 A comparison site has one job, and it is easy to say out loud: put your options in one place, on the same terms, so you can choose. The hard part was never the list. It is staying honest about the order of the list. #### One place instead of a dozen Checking the market on your own means going from lender to lender, each with its own form and its own way of quoting a price. A comparison platform does that legwork for you and lines the offers up, so the terms, the costs and the conditions sit side by side instead of scattered across twelve tabs. #### The order is the point Anyone can show you a list. The value is in *why* one offer sits above another. When the order follows clear, consistent rules, it helps you decide. When it quietly follows whoever pays the most, it is an advert wearing a comparison's clothes. Independence is not a slogan here. It is the thing that makes the result mean anything. #### Why it costs you nothing Most comparison services are paid a commission by the provider when someone goes ahead with an offer. Handled openly, that funds the service without tilting the table: the criteria are the same whether a provider pays a little or a lot. #### You still make the decision A comparison site is not a lender and decides nothing for you. It gives you a clearer view and then steps back. The choice, and the control, stay with you. That is the whole idea behind how Kreditano works: a clearer view, and the decision left with you. --- ### The small habits that quietly improve your credit URL: https://kreditano.com/en/insights/building-healthy-credit-habits/ Published: 2026-04-10 There is no trick to good credit. It is built from a few dull habits, repeated until they run on their own. None of them are difficult. Keeping them up is the whole skill. #### Pay on time, and make forgetting impossible Payment history counts for more than almost anything else a lender can see. So take memory out of it. A standing order or an automatic payment turns "I'll remember" into "it's handled," and a single missed date can undo months of careful behaviour. #### Leave room on your limits Using a small slice of the credit available to you reads as control. Sitting close to the limit month after month reads as the opposite, even when you always pay in full. Lenders treat lower usage as lower risk, so give yourself headroom. #### Borrow on purpose Take on credit when it serves a clear goal, and only as much as the goal needs. The plan for paying it back should exist before you sign, not get invented afterwards when the first statement lands. #### Check the numbers now and then Pull your statements and your credit standing a few times a year. Mistakes do happen, and they are far cheaper to fix early. Knowing roughly where you stand also takes the edge off the worry that comes from not knowing. Good habits never show off. They quietly leave you in a stronger position on the day you actually need to borrow — and when that day comes, you will be glad you started early. ---