kreddo.pl

Cookie Policy

Last updated: 4 April 2026

1. What are cookies?

Cookies are small text files saved on your device when you visit a website. They are used to remember preferences, analyse traffic and personalise content.

2. Consent mechanism

On your first visit to kreddo.pl, a cookie consent banner is displayed. You can accept all cookies or customise your preferences by selecting individual categories. Analytics and marketing cookies are set only after you give consent, in compliance with Art. 5(3) of the ePrivacy Directive and the GDPR.

You can change or withdraw your consent at any time by clicking the "Cookie settings" link in the page footer.

3. Types of cookies

3.1 Necessary (always active)

These cookies are required for the site to function and cannot be disabled.

NamePurposeDuration
_kd_consentStores your cookie consent choices1 year

3.2 Analytics (require consent)

Help us understand how visitors use the site. Data is processed by Google Analytics 4.

NamePurposeDuration
_kd_cidAnonymous visitor identifier for analytics2 years
_kd_sidAnalytics session identifier30 minutes
_gaGoogle Analytics client ID2 years
_ga_*Google Analytics session IDSession

3.3 Marketing (require consent)

Enable personalised advertising. The site does not currently use marketing cookies, but this category is available for future integrations.

4. Server-side processing

Regardless of cookie consent, the site processes basic HTTP request metadata on the server side (page URL, Referer header, device type from User-Agent, country from CF-IPCountry header, UTM parameters). This processing does not use cookies or store any data on your device. It is carried out on the basis of the controller's legitimate interest (Art. 6(1)(f) GDPR).

5. Third-party cookies

The site uses Google Analytics 4 (Google Ireland Limited) for traffic analysis. Google processes data in accordance with the Google Privacy Policy. Data transfers to the US are made under the EU-US Data Privacy Framework.

6. Managing cookies

In addition to the consent mechanism on the site, you can manage cookies in your browser settings. Blocking cookies may affect the functionality of the Service.

7. Contact

For questions about our cookie policy: kontakt@kreddo.pl.

kreddo.pl — loan and credit comparison in Poland

kreddo.pl is an independent financial product comparison service helping users make informed decisions about cash loans, online loans, personal accounts, savings accounts, deposits and mortgages in Poland. We compare offers from leading Polish banks — including PKO BP, Santander, mBank, ING, Alior Bank and BNP Paribas — displaying current interest rates, APR, fees and conditions.

Our loan rankings are updated in real time through bank partner integrations. Users can filter offers by amount (PLN 1,000–500,000), repayment period and instalment type. The instalment calculator helps estimate monthly repayment costs.

For those seeking quick financing, we compare payday loans, no-BIK loans, loans for indebted individuals and no-refusal loans. We also compare credit cards and insurance products.

kreddo.pl is an informational service — it is not a credit intermediary or financial institution. All offers shown come from our partners, and final product terms are determined by the financial institution. We track current NBP and WIBOR interest rates in real time.