How We Score Lenders
Every ranking on CompareOffers.com comes from a public, weighted 5-factor model — never pay-to-play. Here's exactly how it works.
APR & Rate Range
30%The single biggest financial factor. We compare each lender's published APR range against the vertical average, adjusted for the credit profiles they actually approve. Lenders with lower true-cost APRs score higher.
Approval Rate
25%A great rate is meaningless if you can't get approved. We measure the percentage of applicants each lender approves within each credit tier (poor, fair, good, excellent) and weight it into the score.
Customer Reviews
20%We aggregate live star ratings and review volume from Google, Trustpilot, and consumer platforms via the DataForSEO API — refreshed weekly. Both the average rating and the total review count feed the score.
BBB Rating
15%The Better Business Bureau letter grade (A+ through F) and accreditation status are pulled directly and translated to a 0–100 sub-score. Unaccredited or D/F-rated companies are heavily penalized.
Complaint Volume
10%We track CFPB and BBB complaint counts normalized against each lender's estimated loan volume. High-complaint outliers lose points regardless of star rating.
Our editorial independence
CompareOffers.com earns revenue when consumers connect with lenders through our platform — but no lender can pay to change its score, ranking, or star rating. Editorial and business teams operate separately.
All content is reviewed by credentialed experts — Certified Financial Planners, licensed insurance producers, FCRA-certified credit consultants, and auto finance specialists. Meet the team on any comparison page byline or on our About page.
Ratings are recalculated weekly using live data from Google, Trustpilot, the BBB, and the CFPB Consumer Complaint Database. If a company disputes a finding, we re-verify against source data before making changes.