Kreditano's default order may consider two commercial factors: the commission we receive for a referral and whether the agreement combines more than one payment model. These factors do not describe the loan's cost or suitability for the user.
CAT enters the score only when an offer has a current value verified against an official product source and at least three comparable CAT figures exist for the same credit type. An offer without CAT never receives an estimate, a median, or a price advantage.
When CAT sorting is available
The «CAT (lowest first)» option is enabled when the result contains at least two verified, comparable CAT figures for the same product type. If there is not enough data, the control is disabled and the reason appears in the menu. Amount and rating remain user-selected sorts and do not include the commercial score.
Price brake and best-offer label
With at least two comparable CAT figures, an offer whose CAT exceeds 1.5 times the segment's lowest CAT cannot take first place because of commercial factors. The «Best offer» label also requires at least two comparable CAT figures. Without that basis, we do not name a cost winner.
Intermediaries that route an application to a third party do not set the final CAT and are excluded from cost comparison. Data is reviewed periodically; every visible CAT must retain its source and verification date.
Last reviewed: 10 August 2026.