RateCompas participates in affiliate programs. When you click a lender link on our site and qualify for a loan, we may earn a commission from that lender — at no cost to you. This is the same model used by sites like NerdWallet, Credit Karma, and Bankrate.
It does not affect our math. Every calculator on RateCompas uses fixed mathematical formulas. Monthly payments, total interest, payoff timelines, break-even points, and analytical flags are computed from the numbers you enter and nothing else. No lender pays to change those calculations, and no lender ever will.
It does not affect our recommendations. When we show lender matches on a calculator results page, those matches are organized by credit tier and lender type — not by who pays the highest commission. A lender being featured on our site is not an endorsement.
It does affect what options we can surface. Some lenders run affiliate programs and some don't. Lenders we're partnered with are the ones we can link to directly. We don't have partnerships with every lender in the market, and the absence of a lender from our site doesn't mean they're bad — it may just mean they don't run an affiliate program we've been approved for.
RateCompas is an independent publisher. We are not owned by a lender, a bank, or a financial institution. We do not originate loans, underwrite loans, or have access to your credit report.
We are not a lender. We are not a licensed financial advisor. The content on this site — including AI-generated analysis of your loan inputs — is educational and should not be treated as personalized financial advice. Before signing any loan, verify the terms directly with the lender, and for larger financial decisions, consult a licensed professional.
APR ranges shown in our lender-match sections are illustrative ranges based on typical market offers for each credit tier. They are not personalized quotes and they do not reflect what any specific lender will offer you. Rates change frequently and depend on your full credit profile, income, debt-to-income ratio, loan purpose, and lender-specific criteria.
To get a real rate, you'll need to apply or pre-qualify with a lender directly. Many lenders offer soft-pull pre-qualification that does not affect your credit score.
If you have questions about our affiliate relationships, how we make money, or how any specific recommendation on our site is generated, email us at contact@ratecompas.com.