How we make money

On most of the site, when you click through to a product we recommend and sign up, the provider may pay us a commission. It costs you nothing extra, and sometimes gets you a better deal than going direct. We only earn if you act on a recommendation, which is exactly why the recommendation has to be honest to be worth anything.

In our business loans section it works differently. You send us an enquiry, a person reviews it, and with your consent we introduce you to lenders on our panel. If one of those lenders funds your loan, they may pay Refer Labs a commission for the introduction.

Three things that are always true here:

• It never changes the rate or fees you're offered. The lender's price to you is the same whether you come through us or walk in the front door.
• Commission doesn't decide the order lenders appear in, or whether we tell you one fits. If a panel lender is wrong for you, we say so.
• We're a referrer, not a lender or a credit provider. We don't provide credit advice, and we never ask for bank statements, ID documents or logins.

• Rankings are not for sale. A brand can't pay to rank higher or have a criticism removed.
• We don't invent testimonials, ratings or statistics. We never publish our own star ratings.
• We disclose commercial relationships on the pages they apply to, not buried in the footer.