How Finance Choices evaluates products

Finance Choices evaluates financial products based on publicly available data, partner-provided data, fees, rates, eligibility, transparency, customer experience, and product fit. Ratings are editorially controlled. Compensation may influence placement of partner offers, but does not determine our editorial ratings.

Category-specific methodology

• Credit cards: rewards value, fees, APR ranges, eligibility, perks, customer experience.
• Personal loans: APR range, origination fees, funding speed, eligibility, customer satisfaction.
• Mortgages: rate competitiveness, lender fees, product breadth, digital experience, NMLS compliance.
• Banking: APY, monthly fees, ATM access, FDIC coverage, app quality.
• Insurance: coverage breadth, pricing, financial strength, customer experience, state availability.
• Debt relief: fee transparency, accreditation, success benchmarks, customer experience, regulatory compliance.
• Investing: commissions, account fees, tools, available account types, customer support.
• Small business: eligibility, funding speed, total cost of capital, product flexibility.

Editorial ratings are reviewed regularly and updated as products and markets change.