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Lender Review Methodology & Disclaimer
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How We Rate Lenders
MontanaCapital™ evaluates personal loan lenders using a weighted scoring system. Each lender receives a rating out of 5 stars based on six factors:
| Factor | Weight | What We Evaluate |
|---|---|---|
| Cost & APR Transparency | 25% | Published APR ranges, fee disclosures, total loan cost clarity |
| Reputation & Trust | 20% | BBB rating, CFPB complaints, licensing status, years in business |
| Borrower Accessibility | 20% | Credit requirements, income thresholds, state availability |
| Funding Speed | 15% | Application-to-funding timeline, same-day options |
| Customer Experience | 10% | User reviews on Reddit, BBB, Trustpilot; support responsiveness |
| Terms & Flexibility | 10% | Loan amounts, repayment terms, prepayment penalties |
Our Rating Scale
| Rating | Meaning |
|---|---|
| ★★★★★ (4.5–5.0) | Excellent — Transparent terms, strong reputation, competitive rates |
| ★★★★☆ (3.5–4.4) | Good — Reliable option with minor drawbacks |
| ★★★☆☆ (2.5–3.4) | Fair — Use with caution; compare alternatives |
| ★★☆☆☆ (1.5–2.4) | Poor — Significant concerns; high costs or complaints |
| ★☆☆☆☆ (1.0–1.4) | Avoid — Major red flags; predatory terms |
Our Sources
We gather information from:
- Official lender websites and loan disclosures
- Better Business Bureau (BBB) ratings and complaint history
- Consumer Financial Protection Bureau (CFPB) complaint database
- User reviews on Reddit, Trustpilot, and Google
- State licensing and regulatory databases
Independence Statement
MontanaCapital™ conducts all lender reviews independently.
- We do not receive compensation, referral fees, or commissions from any lender reviewed on this website.
- Our ratings are not influenced by advertising, partnerships, or affiliate relationships.
- Placement and ranking of lenders is based solely on our editorial evaluation.
No Affiliation
The lenders reviewed on this site are not affiliated with, endorsed by, or connected to MontanaCapital™. All product names, company names, logos, and trademarks are the property of their respective owners. Their mention does not imply partnership, sponsorship, or endorsement.
Accuracy & Limitations
We make every reasonable effort to provide accurate and current information. However:
- Loan terms, APRs, fees, and policies change frequently
- We cannot guarantee the accuracy, completeness, or timeliness of all details
- Information may become outdated between review updates
- Each review displays its last updated date for reference
Your Responsibility
These reviews are for informational purposes only and do not constitute financial advice. Before applying for any loan, you should:
- Verify all terms, rates, and fees directly with the lender
- Read the complete loan agreement and disclosures
- Confirm the lender is licensed to operate in your state
- Consider consulting a qualified financial advisor
Limitation of Liability
MontanaCapital™, its owners, employees, and affiliates shall not be held liable for any damages, losses, or financial harm arising from:
- Reliance on information provided in these reviews
- Decisions made based on this content
- Actions taken by any lender reviewed on this site
- Inaccuracies or outdated information
Use of this information is at your own risk.
Contact Us
If you believe any information in our reviews is inaccurate or outdated, please contact us at support@montanacapital.com so we can review and update accordingly.