How we make money

The short version

MoneyMatcher is free to use and is paid by some of the companies it lists. When you click a partner link and go on to apply with, or take a loan from, that company, it pays us a referral fee through an affiliate network. You never pay us anything, and the fee cannot be added to your loan: the interest and fees a registered lender may charge are capped by the National Credit Act regardless of how you found it.

What it changes and what it does not

It changes the order of our lists. We only list companies we have a partner agreement with, and the order in which they appear is set by us with those agreements in mind. A company higher up is not necessarily better for you.

It does not change the star ratings. Each company is scored out of five on transparency, cost, speed and flexibility. The scores are ours, they are explained on each review page, and no company can pay to change them. It does not change the facts either: every figure on a review page comes from the company's own site, app listing or published terms, with the source and the date shown.

Lenders and matching services

Some of our partners are registered credit providers; some are matching services that take one application and pass it to lenders for a fee of their own. We label which is which on every card and review, because your loan agreement is always with a lender, and the lender must assess your affordability whatever the matching service's homepage says.

How the links work

Partner links carry a random click reference so the network can attribute a referral to this site. It contains no personal information. Links to partners are marked as sponsored for search engines.