Why Filandy exists
Filandy (filandy.com) was built for people who want to see the arithmetic behind a loan or a credit card before they sign anything. Lenders talk in monthly payments; we prefer to show the full picture, including fees, the total repaid and what changes when the rate or the term moves.
What we publish
You will find repayment simulations, plain explanations of rates and charges, lender-by-lender guides for banks and online platforms in several countries, and practical articles on everyday credit card use. Each worked example lists its assumptions so you can rerun it with your own figures.
How we check our facts
Our starting points are the terms that lenders publish, guidance from regulators and central banks, and independent consumer organisations. Rates and fees change often, so every number is dated to the time of writing and should be confirmed with the provider before you act.
Our independence
Filandy is not a lender or a credit broker. We do not take applications, ask for documents or charge readers anything. Our guides are general education and cannot replace personal advice from a qualified adviser who knows your situation.
How the site is paid for
The site is supported by advertising served by third-party networks. Advertisers have no say over what we write, which lenders we cover or the conclusions we reach.