How We Rank Lenders

Our lender ratings reflect a weighted scoring model that evaluates each product across several dimensions. The overall star rating (out of 5) is a composite of the factors below.

Scoring Factors

• APR range (30%) — We compare advertised minimum and maximum APRs against market benchmarks for the loan category.
• Fees (20%) — Origination fees, prepayment penalties, and late payment fees are weighted negatively.
• Loan terms (20%) — Wider range of available loan amounts and repayment terms scores higher.
• Eligibility (15%) — Lower minimum credit score requirements and flexible income criteria score higher.
• User experience (15%) — Speed of approval, digital application quality, and customer service reputation.

Ratings are reviewed quarterly. Lenders can request a re-evaluation if their terms change materially. Ratings are not influenced by advertising relationships.