Loando

What Loando does

Loando is a Poland-based loan brokerage platform (founded 2014, HQ in Olsztyn, 101–250 employees) that operates as a curated intermediary between individual borrowers and a network of 120+ verified financial institution partners across Poland, the Czech Republic, Ukraine, Romania, and Mexico. The platform categorizes products into short-term loans (chwilówki), long-term installment loans, and bank loans, with specialized sub-products for negative-BIK borrowers, self-employed clients without income certificates, and heavily indebted consumers. Unlike mass aggregators, Loando's core proposition is expert human verification of every partner before listing, supplemented by AI-driven alternative credit scoring using Open Banking (AIS) transaction data and an automated chatbot on Facebook Messenger for customer support.

The company's technology stack combines secure web-based application forms with identity verification integrations (Kontomatik, Instantor, mObywatel), payment rails (Autopay, Dotpay) for same-day disbursement, and an internal scoring engine that detects debt-loop patterns from 3–6 months of bank inflows. Loando is owned by Swedish fintech holding Clar Group (acquired December 2021) and operates through its KNF-registered subsidiary Loando Direct (RPK018024). The platform is free for consumers; revenue is generated entirely via affiliate commissions and referral fees from lending partners, with 100% of listed offers personally approved by Loando staff and 1 in 4 financial firms interacting with the platform converting into an official partner.

Distribution is digital-first via localized web platforms (loando.pl, .cz, .ua, .ro, .mx), supported by content marketing and SEO on loan-comparison queries, a monthly newsletter, and phone-based advisory support. In 2020 Loando merged with PozyczkaPortal to consolidate its Polish market position. Awards include Loan Magazine's Best Brand of the Decade (2025), Technological Solution of the Year (2023), and Sales Partner of the Year (2023, 2024), alongside annual ZPF Ethical Certification.

Name

Loando

Legal name

LoanDO Spółka z ograniczoną odpowiedzialnością

Website

https://loando.pl

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Online Loan Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Installment Payday Loans (FSAKAMAB)

akta.pro secondary industries

Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH), Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD)

Keywords

• Online loan brokerage
• Consumer loan comparison
• Financial product marketplace
• Personal loan aggregator
• Open banking lending

Headquarters

HQ city

Olsztyn

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Others

Revenue model

1. Partner Commission/Referral Fees: LoanDO operates as a free service for customers. Revenue is generated through commissions and referral fees from financial institution partners. The company acts as an intermediary connecting verified borrowers with curated lending partners, earning revenue from successful loan placements and ongoing partner relationships.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Loando operates a curated online loan brokerage platform that connects individual borrowers with personally verified financial institution partners across multiple European and Latin American markets. Consumers can compare short-term loans, long-term installment loans, and bank loans ranging from 1,000 PLN to 150,000 PLN with repayment periods from 6 to 120 months through a free three-step online process. The service is free for customers, with revenue generated through referral commissions from partner lenders.

Product overview

LoanDO operates as a conscious loan broker platform (not a simple comparison aggregator) that connects borrowers with a curated selection of verified financial institution partners. The core platform at loando.pl offers three main product categories: Pożyczki krótkoterminowe (short-term loans/chwilówki), Pożyczki długoterminowe (long-term installment loans), and Pożyczki bankowe (bank products). Specialized sub-products address specific borrower segments including Pożyczki bez BIK (for negative credit history clients), Pożyczki bez zaświadczeń (income verification via Open Banking), and Pożyczki dla zadłużonych (for heavily indebted clients). The platform also includes an AI-powered chatbot for automated customer service via Facebook Messenger. LoanDO maintains international presence across Poland, Czech Republic, Ukraine, Romania, and Mexico through localized platforms. The company acquired PożyczkaPortal to strengthen its market position.

Differentiator

Problem solved

Functional benefit

Products and services

• LoanDO Brokerage Platform
• Short-term Loans (Pożyczki krótkoterminowe)
• Long-term Installment Loans (Pożyczki długoterminowe)
• Bank Loans (Pożyczki bankowe)
• Business Loans (Pożyczki dla firm)

Quantifiable outcome

• 68% of customers trust Loando again for future borrowing needs
• +3 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability5 records

Feature4 records

Partnerships

Twelve partnerships are on record, tiered core.

• VeloBankcoreChannel Partner/ Reseller/ DistributorVeloBank is one of the top-listed partners on Loando's platform, offering cash loans up to 300,000 PLN with repayment periods up to 10 years. The partnership provides Loando users access to competitive loan products with 8.4% APR and 0% commission.
• Santander Consumer BankcoreChannel Partner/ Reseller/ DistributorSantander Consumer Bank is a key partner offering personal loans through Loando's platform. The bank provides cash loans up to 125,000 PLN with flexible repayment terms and competitive rates.
• AASA PolskacoreChannel Partner/ Reseller/ DistributorAASA Polska is a trusted lending partner on the platform, offering loans for customers including those with negative credit history. Rated 4.60 by Loando with 341 customer selections.
• SmartneycoreChannel Partner/ Reseller/ DistributorSmartney is a partner offering installment loans, rated 4.90 by Loando. Provides flexible financing solutions for consumers seeking medium-term loans.
• WongacoreChannel Partner/ Reseller/ DistributorWonga is a well-established short-term lender partner with 4.70 rating and 224 customer selections on the platform.
• Super GroszcoreChannel Partner/ Reseller/ DistributorSuper Grosz is a popular short-term loan partner rated 4.70 with 181 customer selections, offering fast financing solutions.
• FenikocoreChannel Partner/ Reseller/ DistributorFeniko is a top-rated partner (4.90) offering short-term loans, recognized for excellent customer service with 180 selections.
• ING Bank ŚląskicoreChannel Partner/ Reseller/ DistributorING Bank Śląski is a premium banking partner on the platform, rated 4.80 with 172 customer selections, offering traditional banking loan products.
• PKO BPcoreChannel Partner/ Reseller/ DistributorPKO BP, Poland's largest bank, is a partner offering traditional banking loans through the platform with 4.50 rating and 222 customer selections.
• RevolutcoreChannel Partner/ Reseller/ DistributorRevolut is listed as a partner on Loando's platform, rated 4.90 with 178 customer selections, offering digital-first financial products.
• Loando Direct (RPK018024)coreOthersSubsidiary company registered in the Register of Consumer Credit Intermediaries under number RPK018024, ensuring regulatory compliance for lending intermediary activities in Poland.
• Związek Przedsiębiorstw Finansowych w Polsce (ZPF)coreOthersPolish Financial Companies Association - Loando is a member and has committed to following ZPF Good Practice Principles. This provides regulatory oversight and ethical framework for operations.

Scale indicators6 records

Recent moves9 records

Expansion highlights6 records

Broad incumbents

• LendingTree: US-listed loan comparison marketplace connecting borrowers with multiple lenders across personal, mortgage, auto, and small-business credit. Same multi-lender brokerage business model as Loando but at much larger scale and with broader product coverage.
• Bankrate: US financial comparison and content platform owned by Red Ventures. Comparable to Loando in monetizing lender referral fees and content-led borrower acquisition, though at substantially greater scale and with deeper banking and credit-card coverage.
• NerdWallet: US personal finance content and comparison platform earning revenue through lender referrals. Shares Loando's content-marketing-driven organic acquisition playbook and affiliate commission revenue model, with broader product scope including credit cards and banking.
• Compare the Market: UK-based multi-category comparison platform (loans, insurance, utilities). Operates the same lender-referral monetization model as Loando, though at much larger scale and across more product categories in a mature UK market.
• MoneySupermarket: UK financial price comparison website covering loans, mortgages, credit cards, and insurance. Shares Loando's core model of routing borrowers to lenders via a comparison interface and earning referral/commission revenue, at significantly larger scale.

Direct peers

• Rankomat.pl: Polish loan and insurance comparison platform operating in the same curated-broker category as Loando, with overlapping lender partners and consumer target audience in Poland. Closest direct competitor in the Polish chwilówki and bank-loan comparison space.
• Habito: UK mortgage and loan broker platform combining technology-led comparison with human advisor support. Closely comparable to Loando in the curated-broker-with-expert-verification positioning, though focused on UK mortgage and home-purchase lending.
• Comperia.pl: Leading Polish financial product comparison platform covering loans, mortgages, and bank accounts. Operates the same direct-to-consumer comparison-and-brokerage model as Loando and serves the same Polish borrower segments with both short-term and long-term products.

Emerging players

• Credible: US multi-product loan marketplace (student loans, mortgages, personal loans) operating a curated lender network. Comparable to Loando in curated-broker positioning and single-application-to-multiple-offers flow, though US-focused and narrower in category.

Regional players

• Zonky: Czech peer-to-peer and consumer loan platform and one of Loando's direct competitors in the Czech market. Comparable loan-distribution model serving Czech borrowers, and an adjacent player in the same cross-border Central European lending landscape.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Loando