Finance Monthly UK Review, Ratings & ‘Best’ Methodology

At Finance Monthly, we aim to provide impartial, well-researched reviews. Many of the products and brands we review are from partners who may compensate us, which can influence which products we feature in our ‘Partner Spotlight’ or ‘Promotions.’ However, this does not impact our editorial opinions or ratings. Our reviews remain unbiased, and all opinions are our own.

Review and ‘Best Of’ Criteria
Finance Monthly bases its reviews and ‘Best Of’ selections on feedback from user surveys, allowing us to assess products on a consistent set of criteria that reflect what matters most to users. These evaluations help ensure fairness and independence from any commercial arrangements.

Product information reflects what was available at the time of review, though details may have since changed. We aim to cover as many products as possible, but it’s possible that there are others we have not yet reviewed. Our reviews provide insights, not financial advice or recommendations specific to individual circumstances.

What Does ‘Best’ Mean?
‘Best’ signifies our top-rated choices based on product features, customer service, and accessibility, according to user surveys and independent evaluations. While these are our top recommendations, other products not reviewed may also be suitable. ‘Best’ does not necessarily mean the lowest price or the best fit for every individual’s needs.

Are Rates Included in Our Reviews?
While we include rates or representative APRs as additional information, these do not affect our star ratings or reviews. Rates can vary based on personal circumstances, loan amount, and term, so always check current details before choosing a financial product.

What Does ‘Editor’s Pick’ Mean?
Editor’s Picks are selected by Finance Monthly’s editorial team as standout options within each category. Based on a detailed analysis of brand features and product quality, these picks reflect our opinions and do not constitute specific advice or recommendations. Editor’s Picks are editorially independent and not influenced by any partnerships or compensation.

Methodology for Reviews
Finance Monthly gathers survey responses from potential customers, focusing on the top factors they consider when choosing each type of financial product. These survey results guide our reviews, which are designed to provide insights based on real customer preferences.

Methodology for Ratings
We evaluate a variety of UK providers across multiple product types. Each provider is assessed on factors like application process, product options, eligibility criteria, and customer support, based on information from provider websites or direct communication with company representatives. If information cannot be verified, the provider may not be reviewed.

Our reviews are regularly updated to include new brands, with our editorial team applying the same criteria to maintain consistency and accuracy.

Important Information
Our ratings do not consider provider rates. Always compare rates and terms across providers when considering a financial product.