How We Rate

There are dozens of brands offering products and services online, but it can be difficult to filter through the endless information and verify its accuracy. We have created comparison websites to help you compare key elements and features and make an informed decision.

Our goal is to save you time and effort by simplifying and clarifying the decision process while choosing a service or product that suits your needs.

Trying to differentiate between all the available options is not easy. There are brands you might already be familiar with, and that can be a good starting point, but how do you know that the brands shouting the loudest are really the best suited for your needs? There are in fact huge differences between brands, including in the level of service, the terms and conditions, the specific features, and a whole host of other factors.

We perform market research, conduct in-depth analyses, aggregate data, and evaluate the information we collect. According to the evaluation, we present the brands that we believe offer high-quality products and services. There are quite a few aspects we consider when we review and rate, including our own subjective evaluation and internal methodology. The following is an explanation of the review, rating, and scoring elements.

Our Reviews

The team researches, evaluates, and compares the key features of each brand, product, and service prior to displaying it and includes the following:

  • Pricing: Where applicable, we take into consideration the best price for a similar service. For personal loans, we consider the loan terms, APR ranges, and any fees disclosed by the provider.

  • Features: We evaluate and compare each service or product’s features. For personal loans, we assess details such as repayment terms, loan amounts offered, credit score requirements, and additional benefits or features that may help borrowers make an informed decision.

  • Ease of Use: We do our best to test a few features of the service or product and then give it a score according to how easy we think it was to use such features. The same features will be tested for products/services of the same category in order to ensure fair comparisons.

  • Support: We try to connect with the support of the company we review and score it based on available support options, availability, response time, and knowledge.

Overall Score

The overall score we assign is determined according to the product/service review as well as the fees we receive from the brands we work with.

Popularity and Conversion Rates

Data gives us a clear picture of how our users feel about a particular brand. We can measure interest in each product or service by observing the number of users who visit their website, as well as the conversion rate. The conversion rate measures how many people sign up with – or purchase from – a brand after visiting their website.

In our rating and scoring, we take into consideration the conversion rates because we believe it is an indication of its popularity, and thus, its value. For example, if a specific service’s site is accessed by a significant number of users or has a significant amount of registered users, we believe it indicates users’ preference and satisfaction.

Verified Reviews

Our verified reviews are based on thorough research and direct communication with the companies we promote to ensure the accuracy and authenticity of the information provided.

Advertising Fees

We are able to maintain a free, high-quality service and provide you with the comparison information free of charge by receiving advertising fees. This means that we receive fees from the brands and service providers we review on this website. These advertising fees, combined with the conversion rates explained above, impact the placement and position of the brands within the comparison table.

However, the advertising fees we receive are not the main criteria. If we find a specific brand not to be trustworthy or top-rated, we do our best to not present it on our website. One thing we really try to avoid is promote a brand or service we don’t trust or where the feedback has been overwhelmingly negative.

Special Considerations for Personal Loans

In the case of personal loans, we ensure that all displayed brands provide clear and complete information, including:

  1. Representative Example: We include details on APR ranges, repayment terms, and the total cost of the loan where applicable.
  2. Loan Terms: We ensure that brands clearly disclose the minimum and maximum loan amounts, repayment periods, and fees.
  3. Transparency: Any personal loan advertised on our website must comply with local laws and regulations, including disclosing whether loans are secured or unsecured, and meeting all requirements for ethical financial advertising.
  4. Responsible Lending: We aim to list brands that do not engage in predatory lending practices, such as payday loans requiring repayment in less than 60 days.

As you’ve probably worked out by now, reviewing and rating different types of products and services is not an exact science. We strive to provide you with the most accurate and comprehensive information to enable you to make an informed and smart decision. However, we would like to remind you that we are solely the provider of this informative website. We encourage you to rely on several sources of information and specifically to review each offer’s full terms carefully to ensure you understand them and that they suit your needs. The full offer details will be provided by the applicable service provider.

Your use of and reliance on the information displayed on the website is entirely at your own responsibility and risk, and we suggest you read our Terms and Conditions prior to your use.