kreddo.pl

Terms of Service

Last updated: 4 April 2026

1. General provisions

These terms of service define the rules for using the kreddo.pl website (hereinafter: the "Service"), operated for the purpose of comparing loan and credit offers available on the Polish financial market.

The owner of the Service is LuKas Holdings sp. z o.o., with its registered office at ul. Stefana Batorego 18/108, 02-591 Warsaw, Poland, entered in the National Court Register (KRS) under number 0001233010, NIP (VAT) 7011306806, REGON 54439709700000.

2. Definitions

User — a person using the Service. Service — the website available at kreddo.pl. Services — comparison of financial product offers (loans, credits, accounts, deposits), provision of informational content, financial calculators. Partner — a financial institution or intermediary whose offers are presented in the Service via System Partnerski (produktyfinansowe.pl).

3. Nature of the Service

The Service is purely informational and does not constitute an offer within the meaning of the Polish Civil Code. kreddo.pl is not a credit intermediary or financial institution within the meaning of the Consumer Credit Act. The Service presents Partner offers in a comparison format. Final terms of any financial product are determined individually by the financial institution.

4. Rules for using the Service

Use of the Service is free of charge. The User is obliged to use the Service in accordance with its purpose and applicable law. Any actions that may disrupt the functioning of the Service are prohibited.

5. Redirects to Partners

After clicking the "Check offer" button, the User is redirected to the Partner's website (login.produktyfinansowe.pl). From the moment of redirection, data processing rules and service terms are governed by the Partner's terms of service. The Service records the click event (redirect source, product category, time) based on legitimate interest (Art. 6(1)(f) GDPR) for Partner reconciliation and content optimisation purposes.

6. Analytics and cookies

The Service uses analytics technologies described in detail in the Privacy Policy and Cookie Policy. In particular:

  • The Service processes basic HTTP request metadata on the server side (page URL, referer, device type, country, UTM parameters) without using cookies — based on legitimate interest.
  • After the User grants consent, the Service uses Google Analytics 4 and its own analytics cookies for detailed traffic analysis.
  • A cookie consent banner allows the User to grant or refuse consent for analytics and marketing cookies before they are set.

7. Intellectual property

All content published on the Service, including texts, graphics, logos, page layout and source code, is the property of LuKas Holdings sp. z o.o. or used under licence. Copying, distributing or modifying content without written consent is prohibited.

8. Liability

The Service makes every effort to ensure that the information presented is current and reliable, but does not guarantee its completeness or accuracy. We are not responsible for financial decisions made on the basis of information from the Service. Before making a decision to take on a financial obligation, we recommend reading the full terms of the offer from the Partner.

9. Complaints

Complaints regarding the functioning of the Service can be submitted by email to: kontakt@kreddo.pl. A complaint should include a description of the issue and contact details to enable a response. Complaints are processed within 14 business days.

10. Affiliate marketing

kreddo.pl operates as a Publisher (Wydawca) as defined by the "Affiliate Marketing Best Practices" guidelines published by the IAB Poland Affiliate Working Group (2021 edition). As part of our affiliate partnership with System Partnerski (produktyfinansowe.pl), the Service adheres to the following principles:

  • Tracking links are used in the form provided by the affiliate network, without modification of codes or parameters.
  • Partner creatives and advertising materials are presented in accordance with their intended purpose and campaign terms.
  • The Service does not engage in fraud practices, including cookie stuffing, cookie dropping, cache poisoning, or artificial traffic generation.
  • Information about financial products is presented to Users in a fair and non-misleading manner.
  • The Service complies with data protection regulations (GDPR) and takes responsibility for their application within its own resources.

11. Final provisions

These terms of service come into force on the date of publication. We reserve the right to amend the terms. The current version is available at kreddo.pl/en/regulamin. Matters not regulated by these terms are governed by Polish law.

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.