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Scoreboards · All categories
WiseIQ Scoreboards: Every Vendor, Same Five Criteria
Thirty-seven lenders, insurers, counselors and credit tools, each scored 1 to 10 on the same five published criteria. Partners are labeled, non-partners get no link and no penalty, and when a partner loses a slot we say so. Pick your category below or jump straight from the Scoreboards menu at the top of every page.
What these are
Most "best of" lists are sorted by commission. Each WiseIQ scoreboard puts every serious option in a category on the same rubric, shows the four facts that decide most applications, and lets you tap your credit tier or situation to see which rows actually fit you. Partners are marked, everyone else is scored anyway.
Every vendor on every board is scored 1 to 10 on each of these, then averaged. The weights are equal on purpose: a lender that funds in a day but hides its fees does not get to bury the fee score under speed.
CostAPR range, fees, and what a typical approved borrower actually pays.
AccessHow far down the credit range approvals really reach.
SpeedTime from application to money, quote or first result.
TransparencyWhether pricing and terms are public before you apply.
FitHow many real situations this option is the right answer for.
The receipt
Vendors scored across six boards37
Of those, paid partners5
Boards where a partner does not rank first2 of 6
Facts re-verified quarterly. Last full pass: September 5, 2026.
Full disclosure
Where our partners land
Five companies pay us when you apply through our links. Here is exactly where each one finished on its board, and who beat it when it did not win.
Partner
Board
Rank
Beaten by
Upstart
Personal Loans
1st of 7
—
First Advantage
Debt Relief
1st of 6
—
myAutoloan
Auto Loans
1st of 6
—
Kikoff
Credit Building
1st of 6
—
Farmers
Car Insurance
3rd of 6
Progressive
The home equity board has no paid partner today. When one is added, it will be scored on the rubric that is already published, not a new one.
Common questions
FAQ
Four of your five partners rank first. Isn't that convenient?
It is the result of choosing partners after building the rubric, not before. We only sign programs whose product we would rank near the top anyway, which is why Farmers is a partner and still finishes third on insurance behind Progressive and GEICO. Every score is public and every non-partner is scored on the same five criteria, so you can check the math.
Why don't non-partners get links?
Policy, not spite. Linking only to companies that pay us and to companies that do not would blur the disclosure line. Non-partners get a full scorecard, their name, and no link; you can reach any of them in one search.
How often are the scores updated?
Facts (rates, fees, minimums, funding times) are re-verified every quarter and the verified date sits at the top of each board. Scores change when a fact changes enough to move a criterion, or when a vendor changes its underwriting.