Is Kreddo.pl independent?

Yes. Kreddo.pl is an independent comparison portal. Our rankings are based on objective criteria, and affiliate remuneration does not affect ranking position. Affiliate revenue allows us to maintain the portal and deliver content for free.

How often do you update data?

We update financial product data every month. In the case of significant changes (e.g. a new offer, a change in interest rates) we update information within 1–3 business days. Every page includes the date of the last update.

Who creates content on Kreddo.pl?

Content is created by financial experts with experience in banking and insurance. Every article is fact-checked for accuracy and currency. Our editorial team monitors changes in the financial market on an ongoing basis.

Can I trust Kreddo.pl rankings?

Our rankings are created on the basis of the transparent methodology described on this page. We publish evaluation criteria and the weights of individual parameters. We do not accept fees for a higher position in the ranking.

How can I report an error in the data?

If you notice outdated or incorrect information, contact us via the contact form. We verify every report and update data within 1–2 business days.

Methodology — how we evaluate financial products

Kreddo.pl applies a transparent methodology based on objective financial criteria. Rankings are created on the basis of product parameters (APR, fees, cashback), without affiliate remuneration influencing position. Data is updated every month.

Ostatnia aktualizacja: 20 marca 2026 Zweryfikowane przez: Kreddo.pl Editorial Team

Our values

Kreddo.pl is an independent financial product comparison portal. Our mission is to help people make informed financial decisions through reliable comparisons, transparent rankings and financial education. We are guided by three principles:

Independence

Affiliate remuneration does not affect ranking position.

Transparency

We publish evaluation criteria and data sources.

Currency

Data is updated every month, and immediately when changes occur.

How we create rankings

Every ranking on Kreddo.pl is based on a multi-criteria scoring evaluation. Below we describe the methodology for each product category.

Loans and payday loans

We evaluate non-bank loans according to the following criteria:

1 APR 30%

Annual Percentage Rate, the main indicator of loan cost 30%

2 Accessibility 20%

Borrower requirements, minimum age, documents 20%

3 Disbursement speed 20%

Time from application to receipt of funds 20%

4 Flexibility 15%

Option to extend, early repayment, range of amounts 15%

5 Company credibility 15%

KNF registration, customer reviews, time on the market 15%

Cash loans

1 APR 30%

Total loan cost per year 30%

2 Nominal interest rate 20%

Base rate affecting the instalment amount 20%

3 Commission 20%

One-off fee for granting the loan 20%

4 Flexibility 15%

Range of amounts and periods, option for overpayments 15%

5 Application process 15%

Online availability, decision time 15%

Credit cards

1 Annual fee 25%

Annual cost of card ownership 25%

2 Cashback 25%

Percentage of transaction value returned 25%

3 Interest-free period 20%

Length of free purchase financing 20%

4 Credit limit 15%

Maximum available amount 15%

5 Additional benefits 15%

Insurance, loyalty programmes 15%

Insurance

1 Scope of cover 30%

What is covered by the policy, what exclusions apply 30%

2 Premium price 25%

Annual or monthly cost 25%

3 Sum insured 20%

Maximum compensation amount 20%

4 Claims handling 15%

Speed and quality of claim settlement 15%

5 Customer reviews 10%

Average rating from trusted sources 10%

Partner commission is not an evaluation criterion — rankings are based solely on the objective parameters described above.

Data sources

We obtain comparison data from the following sources:

Official websites of banks and lending companies
Fee and commission schedules published by financial institutions
General Insurance Conditions (GIC) of insurance companies
Register of lending institutions of the Polish Financial Supervision Authority (KNF)
Data from the National Bank of Poland (NBP) — interest rates, exchange rates
Data from the Central Statistical Office (GUS) — inflation, average wages

Business model

Kreddo.pl earns through affiliate commissions. When a user clicks a link to a financial product and submits an application, we may receive remuneration from the financial institution.

Important

Affiliate remuneration does not affect product ranking position. Rankings are created solely on the basis of the objective parameters described above. Products for which we receive no remuneration may rank higher than partner products.

Editorial process

Every piece of content on Kreddo.pl goes through the following process:

1 Research Analysis of current offers, collection of data from official sources
2 Creation Writing by a financial expert
3 Verification Checking numerical and factual data
4 Publication Publishing on the site with the date of last update
5 Update Monthly review of data currency

Contact

If you have questions about our methodology or want to report outdated data, contact us via the contact form. We treat every report as a priority.

Kreddo.pl is operated by LuKas Holdings sp. z o.o. The service is informational in nature and is not a credit intermediary.