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Short-term loan provider ratings methodology
How we determine the score for our short-term loan reviews.
Our ratings
— Excellent
— Good
— Average
— Poor
9 factors we consider for our star ratings
How we rate minimum loan amount
Installment and title loans
— Less than $1,000
— $1,000 to $1,500
— $1,501 to $2,000
— $2,001 or more
How we rate cost
— Optional fee or APR under 36%
— 36% to 200%
— 201% to 300%
— 300% to 499+%
How we rate transparency
— Clearly states fees, links to privacy policy, provides info on state laws and the like
— Clearly provides terms of service, only provides example fee structure
— Doesn’t state costs online
How we rate funding options
— Offers ACH transfer, in-store pickup and other options
— Only offers ACH transfer
— Only offers in-store pickup
How we rate turnaround time
— Same-day turnaround available
— 1 to 2 business days
— Longer than 2 business days
How we rate customer service
— Phone number, email and live chat
— Phone number and email
— Phone number or email
— No contact information
How we rate customer reviews
— Excellent customer reviews
— Good customer reviews
— Average customer reviews
— Poor customer reviews
How we rate other services
— Offers at least one perk
How we determine drawbacks
— Has one of these drawbacks
What we don’t consider
- State availability. Not all lenders operate in all 50 states. In fact, some states ban payday and other short-term loans. Ensure your lender is licensed to operate in your state and is following state laws.
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