Each of our reviews, scores, and rankings are 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 consumer 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


The interest rate on your health care loan, credit line, or credit card is very important!  A small difference in an interest rate can make a huge difference in the overall amount you will end up paying.  We research each company and break down what interest rate each company offers for a line of credit, extended payment plans, budget payment plans, reduced APR plans, etc.

16%Treatment Coverage

We want to make sure what you need is covered and available by the company you choose.  Some companies loans, credit cards can only be used for certain procedures.  Can you use your loan for dental and veterinary needs, or just LASIK?  

14%Provider Network

Most companies specify that their credit cards, loans, etc can only be used at participating clinics and hospitals.  Is their network large or limited to a few facilities? We want you to have as much flexibility as possible.  

13%Additional Fees

Some companies fund your loan or approve your credit line with no transaction/application fees.  Others charge anywhere from 5-15% when your loan is funded or credit card application is approved.  Are you going to miss a payment? We want you to know what fee you are going to be charged.  Some companies give you room to miss one payment, whereas others charge a fee for every payment you miss.  We want to make sure you are aware of ALL of the fees associated with your healthcare financing choice.

12%Finance Options

Health care financing companies should offer a number of loans/plans to customers to help them best manage their credit card or loan. Financing companies that have many finance options available to their consumers will earn a higher rating than those that only offer one or two kinds of loans.  Ranking criteria is developed based on industry expertise and consumer feedback. Below is an analyzed survey based on responses of those looking to use a Healthcare Financing provider.   Screen Shot 2016-04-12 at 5.26.28 PM

10%Stability Score

We look at the legal history and financial stability of each company. This metric takes into consideration any bankruptcies, class action lawsuits, government lawsuits, or government investigations a company has had in the last five years.

15%User Score

Authentic user reviews are critical to what we’re doing at BestCompany.com. Because customer service is an important reflection of a company overall, nobody can provide better insights about a company’s performance than actual customers. Consequently, every company’s overall score is influenced, at least in part, by reviews submitted by customers. For more information on how we moderate user reviews submitted to our site, you may refer to our Review Guidelines page.