EagleLoansApp.com publishes independent ratings and resources about consumer lending products. This page explains exactly how we research lenders, what sources we use, how we rate products, and how we maintain editorial independence.
Every claim on this site is sourced from one of the following primary sources — we do not publish information we cannot verify:
Our 5-star ratings are calculated from six weighted factors:
| Factor | Weight | What we evaluate |
|---|---|---|
| Approval accessibility | 25% | Credit requirements, bankruptcy policy, co-applicant acceptance |
| Loan terms & flexibility | 20% | Amount range, repayment terms, prepayment policy |
| Speed & convenience | 20% | Approval time, funding speed, application channels |
| Cost transparency | 15% | APR disclosure, fee clarity, total cost visibility |
| Customer experience | 10% | Verified ratings, complaint frequency, BBB rating |
| Credit-building potential | 10% | Bureau reporting, loan structure, long-term benefit |
Lenders cannot pay to improve their scores or remove negative information. Our ratings are based entirely on our methodology above.
We disclose every affiliate relationship. A lender being an affiliate partner has zero effect on how we rate or describe them. We will — and do — list downsides of lenders we earn commissions from.
If a lender isn't right for a particular borrower profile, we say so and direct readers to better-suited options — even if those alternatives aren't affiliate partners.
Every page on this site is reviewed at minimum once per month. Each article displays the date it was last verified at the top.
If a lender changes rates, policies, or availability, we update affected pages within 48 hours of learning about the change.
Errors are corrected promptly with a visible note showing what changed and when. To report an error, use our contact form.