Is Kiir Krediit a lender?
No. Kiir Krediit is an independent loan comparison and information service operating in Estonia. We do not issue loans, do not make credit decisions and do not broker contracts. Final loan terms always depend on a licensed lender's creditworthiness assessment and the contract you sign with that lender.
How does Kiir Krediit make money?
Kiir Krediit earns a referral or advertising fee when a user clicks through to a partner lender. This is disclosed on every page. Comparing offers on Kiir Krediit is free for borrowers, and the referral fee does not change the cost of the loan to you — the price you pay is set by the lender, not by us.
Who supervises lenders in Estonia?
Licensed consumer-credit providers in Estonia are supervised by the Estonian Financial Supervision Authority (Finantsinspektsioon). Consumer credit itself is regulated by the Law of Obligations Act (võlaõigusseadus), which requires the lender to assess the borrower's creditworthiness under § 403¹ before granting credit.
How does Kiir Krediit handle my data?
Kiir Krediit is a comparison and information service and does not collect credit applications on this page. Any personal data we do process is handled in accordance with the EU General Data Protection Regulation (GDPR), as described in our privacy policy. When you click through to a partner lender, that lender becomes the controller of the data you submit to it.
Does Kiir Krediit favour the lenders that pay it?
Our editorial information — how loans work, what the annual percentage rate of charge means, and what the law requires — is written to help borrowers, not to favour any partner. Commercial referral relationships are disclosed, and they do not change the factual guidance. Our editorial principles page sets out how we research and review content and how we separate information from commercial links.