Crediful is committed to helping you make smarter financial decisions by presenting you with the best information possible. We’re able to offer this content free of charge because some of the companies featured on our site compensate us.
Compensation may influence how and where products appear, including their order in listing categories.
While we don’t feature every company, financial product, or offer available, the information, reviews, and tools you’ll find on Crediful are based on independent research. Our top priority is you—our reader. We never recommend a product or service we wouldn’t use ourselves.
Want to know more? Here’s how we rank products.
We’ll never steer you in the wrong direction just because a company pays us. That’s a promise.
How We Rank Products
Crediful ranks financial products based on what matters most to real people—low fees, fair terms, and a better user experience. Our rankings aren’t pay-to-play. Every product is reviewed by our editorial team using a consistent scoring system designed to prioritize transparency, value, and usefulness.
We cover multiple categories, including loans, bank accounts, and credit cards. Each category has its own criteria and scoring system, which we explain in detail below.
We review product information regularly and make updates when there are significant changes to features, terms, or availability.
Our Editorial Process
We gather data directly from provider websites, user reviews, app stores, and our own research. Products are scored using a defined set of criteria, and scores are reviewed by multiple editors to keep things consistent across the site.
While we do have affiliate partnerships, compensation never affects our editorial ratings. Some partners may appear higher on the page if they offer competitive terms and are part of an affiliate relationship, but ratings are always earned—not bought.
If we recommend a product, it’s because we think it’s a strong choice for consumers—not because someone paid us to say so.
How We Rank Loans
Loan rankings are based on the borrower experience from application to payoff. We look for lenders that are fast, transparent, and fair—especially for people with limited credit history or past financial setbacks.
What we evaluate:
- Interest Rates and Fees – We prioritize lenders with low APRs, no origination fees, and no prepayment penalties.
- Approval Speed – Faster approvals and funding timelines are rated higher.
- Credit Score Requirements – We give higher marks to lenders that work with a wider range of credit scores, including fair and poor credit.
- Loan Amounts and Terms – More flexibility earns a higher score.
- Customer Experience – We factor in Better Business Bureau ratings, Trustpilot reviews, and app ratings.
- Special Features – Rate checking with no credit impact, autopay discounts, hardship programs, and other borrower-friendly options.
We update rankings when we identify meaningful changes to loan terms, eligibility criteria, or borrower feedback.
How We Rank Bank Accounts
Bank account rankings focus on minimizing fees and maximizing value—whether that’s a high APY or ATM fee reimbursements. We highlight banks that are transparent, tech-forward, and cost-effective.
What we evaluate:
- Monthly Fees and Requirements – We favor accounts with no monthly maintenance fees and no balance requirements.
- ATM Access – Free access to large ATM networks or full reimbursement for out-of-network withdrawals earns a higher score.
- Mobile Experience – We consider app ratings and ease of use.
- Account Features – Direct deposit availability, early pay access, sub-accounts, mobile check deposit, and budgeting tools.
- APY (for savings) – We highlight high-yield accounts that offer competitive interest with no gimmicks.
- Promotions – Cash bonuses or sign-up offers that are easy to qualify for can boost a score.
We update bank rankings as needed when top products change their terms or new standout options emerge.
How We Rank Credit Cards
Credit card rankings depend on the card’s purpose: building credit, earning rewards, or paying off debt. We focus on value, transparency, and approval odds.
What we evaluate:
- Rewards and Benefits – Strong cash back or travel rewards with easy redemption options.
- Fees and Interest – No annual fees, low APRs, and transparent terms.
- Credit Score Requirements – We score higher for cards that serve underserved credit tiers or disclose minimum score ranges.
- Approval Odds and Prequalification – Cards that let users check approval odds without hurting their credit score rank higher.
- Extra Perks – Intro APR offers, credit limit increases, free credit monitoring, or other helpful features.
We revise credit card rankings when we spot major changes to rates, features, or customer feedback.
Our Commitment
We’re here to help you find products that actually make your financial life easier. That means we only recommend products we believe offer real value—and we’ll always tell you how we make that decision.
If you’re a partner and want to learn more about how your product is evaluated, we’re happy to walk you through our scoring system.