{"id":291250,"date":"2020-03-02T17:36:41","date_gmt":"2020-03-02T17:36:41","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=291250"},"modified":"2025-03-07T16:01:22","modified_gmt":"2025-03-07T16:01:22","slug":"methodology-for-personal-loan-ratings","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/methodology-for-personal-loan-ratings","title":{"rendered":"Methodology for personal loan ratings"},"content":{"rendered":"<p>Our scores and ratings can provide you with a quick overview of how a personal loan stacks up against the market.  At Finder, we provide two ratings: one that reflects our experts\u2019 assessment of the personal loan and another that captures customer satisfaction of a loan provider\u2019s service.<\/p><p>These scores serve as a starting point when it comes to choosing a loan. They don\u2019t show if a lender is the right choice for you and your needs. <\/p><p>Whilst you can certainly delve into our in-depth reviews for a greater understanding of each lender, ultimately, the provider which best suits your needs is your decision.<\/p><h3>What is the Finder score?<\/h3><p>Our expert team evaluates various products in our database, assigning each one a score out of 10. A higher score means the product is more competitive and may offer better value.<\/p><section style=\"margin-bottom: 20px;\"><\/section><div class=\"u-grid\"><div class=\"u-grid__col u-1\/5@s u-1\/1\" style=\"text-align: rig; margin: auto 0; padding: 0;\"><img decoding=\"async\" class=\"alignnone size-full wp-image-3002357\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Excellent.png\" alt=\"Finder rating\" width=\"180\" height=\"180\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Excellent.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Excellent.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Excellent.png?fit=540 540w\" sizes=\"(max-width: 540px) 100vw, 540px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-4\/5@s u-1\/1\" style=\"margin: auto 0;\"><p style=\"margin-left: 20px;\">If you want peace of mind, this rating will give it to you. These products offer the best value and outcomes considering various product features, terms, conditions and price.<\/p><\/div><\/div><div class=\"u-grid\"><div class=\"u-grid__col u-1\/5@s u-1\/1\" style=\"text-align: rig; margin: auto 0; padding: 0;\"><img decoding=\"async\" class=\"alignnone size-medium wp-image-3002340\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Great.png\" alt=\"Finder rating\" width=\"150\" height=\"150\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Great.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Great.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Great.png?fit=450 450w\" sizes=\"(max-width: 450px) 100vw, 450px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-4\/5@s u-1\/1\" style=\"margin: auto 0;\"><p style=\"margin-left: 20px;\">Well-balanced products that provide what you need, offering a healthy mix of competitive features at a good price. However, they\u2019re not quite the best in class.<\/p><\/div><\/div><div class=\"u-grid\"><div class=\"u-grid__col u-1\/5@s u-1\/1\" style=\"text-align: rig; margin: auto 0; padding: 0;\"><img decoding=\"async\" class=\"alignnone size-medium wp-image-3002341\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Standard.png\" alt=\"Finder rating\" width=\"180\" height=\"180\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Standard.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Standard.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Standard.png?fit=540 540w\" sizes=\"(max-width: 540px) 100vw, 540px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-4\/5@s u-1\/1\" style=\"margin: auto 0;\"><p style=\"margin-left: 20px;\">Bottom line: You can find better, but these products still offer reasonable value and have the basics sorted.<\/p><\/div><\/div><div class=\"u-grid\"><div class=\"u-grid__col u-1\/5@s u-1\/1\" style=\"text-align: rig; margin: auto 0; padding: 0;\"><img decoding=\"async\" class=\"alignnone size-medium wp-image-3002339\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Basic.png\" alt=\"Finder rating\" width=\"150\" height=\"150\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Basic.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Basic.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Basic.png?fit=450 450w\" sizes=\"(max-width: 450px) 100vw, 450px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-4\/5@s u-1\/1\" style=\"margin: auto 0;\"><p style=\"margin-left: 20px;\">These products may not offer much value in the long run, and there are better options available.<\/p><\/div><\/div><p>So, how do we score personal loans? <\/p><p>We dive into the details of each loan, including:<\/p><ul><li><strong>Amount range.<\/strong> How little or how much can you borrow?<\/li><li><strong>Term range.<\/strong> How short or long can you borrow for?<\/li><li><strong>Repayment holiday.<\/strong> Does the provider let you take a break whilst repaying back the loan?<\/li><li><strong>Early redemption penalty.<\/strong> Will you be penalised if you repay the loan before your contracted term agreement?<\/li><li><strong>Repayment changeable.<\/strong> Can you change how much you want to repay?<\/li><li><strong>Overpay without penalty.<\/strong> Can you overpay when repaying back the loan?<\/li><li><strong>Same day funds.<\/strong> Can you potentially receive funds the same day you apply?<\/li><li><strong>Lump sum payments.<\/strong> Can you repay in lump sums?<\/li><li><strong>Existing customers only.<\/strong> Is the loan only available to existing customers?<\/li><li><strong>Ethical or green lending.<\/strong> Does the provider reduce its impact on the environment or help the local community?<\/li><li><strong>Open-banking.<\/strong> Does the loan use open-banking to help decide whether or not to approve your loan application?<\/li><li><strong>Transparency.<\/strong> Is the provider transparent with their fees?<\/li><\/ul><p>From here, we can see which provider\u2019s offer the better loan flexibility, perks and transparency compared to its competitors. We then rate each aspect of the loan based on its performance in the market. <\/p><h3 id=\"customersurvey\">Your reviews and our customer survey<\/h3><p>In January 2025, we ran a customer satisfaction survey on personal loan providers. The survey asked 755 respondents how satisfied they are with their investment platform on a scale from 1 to 5, and also whether they would recommend it to a friend or not.<\/p><p>You can see review stars at the top of our review pages, if we\u2019ve received more than 10. These are from consumers just like you who use our site and want to review the products and providers they use. We include ratings out of 5 and responses we\u2019ve received in our annual customer satisfaction surveys. <\/p><p style=\"margin-bottom: 5px;\"><span class=\"luna-stars luna-stars__fill--100 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2013 Excellent<\/p><p style=\"margin-bottom: 5px;\"><span class=\"luna-stars luna-stars__fill--80 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2013 Good<\/p><p style=\"margin-bottom: 5px;\"><span class=\"luna-stars luna-stars__fill--60 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2013 Average<\/p><p style=\"margin-bottom: 5px;\"><span class=\"luna-stars luna-stars__fill--40 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2013 Subpar<\/p><p style=\"margin-bottom: 5px;\"><span class=\"luna-stars luna-stars__fill--20 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2013 Poor<\/p><p>We also show the percentage who would recommend each provider in a league table in guides and on our awards pages.<\/p>","protected":false},"excerpt":{"rendered":"<p>You\u2019ll find customer satisfaction star ratings on some of our personal loans provider reviews. Here\u2019s how we came up with them.<\/p>\n","protected":false},"author":867,"featured_media":120617,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2603],"tags":[],"asset_tag":[],"class_list":["post-291250","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Methodology for personal loan ratings | Finder UK<\/title>\n<meta name=\"description\" content=\"You\u2019ll find customer satisfaction star ratings on some of our personal loan provider reviews. 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