Each of our reviews, scores, and rankings is derived from our proprietary Ranking Criteria™. We do not have any relationships with companies that guarantee position, rank or score—and we never will. Like many sites, we are compensated through affiliate relationships with each company we review; however, our Ranking Criteria™, along with real customer reviews from people like you, ensure we remain honest and unbiased. Read on to discover more about how user review moderation and expert scoring is processed or select an industry to see our full ranking criteria.

How we rank for

12% APR

When shopping for car loans, one of the most important considerations is the interest rate. The higher the interest rate, the more money you will pay over the term of the loan. We find the lowest possible interest rates you can get on new, used, and refinanced car loans within a company.

9% Term Length

You want to know how long you’re going to be paying this car loan. What is the minimum and maximum term lengths they offer for new, used, and refinanced car loans? The more flexible a company is with their loan terms, the more favorably they are ranked.

8% Loan Amount

You’ve got to know if the amount you’re looking to borrow is available from the financial institution. We find the minimum and maximum car loan amounts offered by each company. The wider range of loan amounts, the better.

8% Bad Credit Loans

If you have bad credit, you want to find a financial institution that will work with you to still get you a loan. We look for companies that have options for individuals with lower credit scores.

7% Early-Pay Penalty

If you want to get ahead on your loan and pay it off early, you want to be sure you won’t be charged extra fees for paying off your loan before the end of its term.

6% Free Credit Score

When applying for auto financing, it’s good to know what your credit score is so you know where you stand and what kind of offers you’re going to get. We reward companies who allow you to check your credit score for free.

5% Application Fees

What kind of fees does the institution charge you for applying for credit? Companies are ranked positively if you can apply for free.


4% Mileage Limit

What is the maximum mileage on a car the company allows you to take out a loan for? The mileage they accept will determine what kind of car you can receive financing for.

3% Time in Business

Many car loans companies have been in this industry for a while, and those who established themselves earlier on have a better chance of developing their company, services, and products that consumers will benefit from.

3% BBB

Although not a perfect indicator, and sometimes biased (based on some things that we’ve seen in the industry), the Better Business Bureau ranking is a very important data point for most consumers. Keep in mind that there are many companies that have very low ratings on their BBB score that are based on the industry they are in, and not consumer feedback.

15% Consumer Reviews

This site is designed to let consumers share their experiences. Given our expertise in many industries and the knowledge that we have gained over the years, we know that some of the most important opinions come from real customers. That is why we have allocated so much of our overall rating to the voice of our validated customer reviews. The Consumer Reviews Score is broken down into three metrics:

  1. The Average User Score
  2. Total Number of Reviews
  3. Total Number of Reviews in the last 12 months

These 3 metrics not only help us understand what consumers are saying, they also help us gain an understanding of volume and recency. All of which are critical to understanding the value of a company in the eyes of the consumer.

Note: this is different from the user score that is displayed on each company profile. The “user score” that is publicly displayed is the average of all user scores published for a given profile.

User Review Moderation

In order to prevent fake and misleading user reviews, BestCompany.com has a review moderation team specifically assigned to moderating all user reviews for all companies listed on the site. This team follows a very specific and strict moderation process that has been designed by gathering learnings from mistakes other major review sites have made in the past.

This moderation process involves a “flag” system where a flag is assessed for each negative attribute associated with a user review. Too many flags result in a disapproval of a user review. Some of the things our moderation staff looks for and assigns potential flags to include:

  • Email address verification of the user
  • IP address duplication and region check
  • User review semantic verification
  • Is the user an employee of the organization?
  • Is the user associated with a competitor of the organization?
  • Foul language of any kind
  • Relevance of the content pertaining to the company and the review

As you can probably tell, we take our user review moderation process very seriously. We believe accuracy and authenticity is critical when it comes to user reviews, and as a result we are constantly finding new ways to evolve our user moderation process to make it better. Please note that while we do our best to manually moderate each and every user review, mistakes can be made; however, our dedication to resolving errors in our process is what sets us apart from other review sites in the industry.

20% Expert Review

Along with the criteria points mentioned above, we take into account a variety of other factors that help determine the viability, stability and trustworthiness of a company. As experts, we conduct an extensive research process specifically tailored to each industry that considers many additional factors including:

  • Financial Standing of the organization
  • The number of industry experts and professionals on staff
  • The company’s ability to scale
  • Historical revenue/growth
  • Past and current lawsuits
  • Customer service and transparency
  • And much more.

We consider this Expert Review process a vital component of how we rank and review companies. As a result, the factors included are always changing, adapting, and updating. We also reserve the right to voice our expert opinions as a part of each review.


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