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Our methodology
Every ranking here is built from scores, and the finance scores lean hardest on trust. Trust carries 40% of the finance weight, cost carries 35% and the offer itself carries 25%. Those three numbers decide how a personal loan or a mortgage sits against the alternatives beside it, so you can see why a cheaper deal and a safer one do not always land in the same place.
Every brand earns both a full review and a profile. The review sets out the details that affect what you pay and whether you qualify, and the profile is the short version you can scan when you are narrowing a long list down. Facts come from official brand pages, regulator registers and other cited sources, so each figure you read can be traced back to where it was published. Safeguards such as protection schemes appear only when the facts for that brand support them.
One rule shapes the order of every ranking: partners are listed first in every ranking, then by score. That means paid placements sit at the top of each list, and the score decides the sequence below them. Check the score yourself, then look at cost, safety of the money and how the account actually works for you.
This page explains how BorrowCue scores and ranks lenders.
What we cover
This site compares loans, mortgages, debt relief.
What we score
Every lender is scored on a scale of 1 to 10 on the criteria below. The overall score is the weighted average of these criteria.
| Criterion | Weight |
|---|---|
| Cost | 35% |
| Offer | 25% |
| Trust | 40% |
How rankings are ordered
Rankings apply the following priorities in order; a later priority only breaks a tie in the earlier ones:
- Lenders with a paid offer serving the current view come before those without one.
- Within each of those groups, lenders available in your country come first, followed by those marked unavailable.
- Within each availability group, lenders marked as lacking a required licence come after the others.
- Where these priorities tie, affiliate network links come before our own referral or direct partner links.
- Among network offers, an offer explicitly listing your country comes before a broad default offer. Within each of those groups, known expected commission per click comes before unknown values, and higher expected commission comes first. Ties are broken by commission terms (lifetime, revenue share, then per sale or lead) and then higher payout. For referral or direct partner offers, only explicitly listing your country breaks the commercial tie; their payout is not used as expected commission per click.
- Only after all the earlier priorities tie do rated lenders come before those marked "not rated yet", followed by higher overall score.
When no country is selected, eligible active offers serving at least one country qualify for the paid group, including offers limited to particular countries. We use the highest recorded expected commission per click across an offer's base value and country values. When a country is selected, its value is used where recorded, otherwise the offer's base value applies.
A lender with a lower score can therefore appear above one with a higher score because of the earlier priorities. Featured cards and sponsor strips sit outside the ranking. A booked placement is labelled "Sponsored"; when none is booked, the featured card shows a partner picked by the commission it pays us, labelled "Featured".
Countries
Global rankings list every relevant lender. When a lender does not accept customers from your country, we mark it and point you to an alternative. Country pages list only lenders available in that country.
Sources
Facts come from each lender's own website and documents, public registers, affiliate network listings and other published sources, including independent reviews. Each fact on a page shows its source link and the date we checked it. When a lender publishes no country list, its countries come from its affiliate programme listings, and the page says so. The editorial policy explains how facts are checked.
Keeping it current
Scores change when the facts behind them change. A ranking is published once at least five lenders in it are scored, and a lender gets a review page once enough of its key facts are confirmed. Spot a mistake? Write to [email protected].
This page is written by the BorrowCue Editorial Team.