Our Methodology

Our Review Process

The process of making an informed purchase of a product or service can be daunting. When there are so many options out there, making the right decision can mean the difference between saving and losing money. To help alleviate some of the hassle in choosing, we review the top options in a variety of fields.

Our goal is to offer high-quality reviews and advice with you, the consumer, in mind. We're always searching for the best value, the fine line where quality meets affordability. It's important to us to maintain trustworthy and well-researched articles through credible sources and journalistic integrity.

How We Rank Providers

The providers we review represent our choices for the best value in the industry. This means that whether a provider is ranked first or fifth, they are a good choice to be considered. But how do we decide each rank?

At MoneySavingPro, we define a product or service's value as the balance between affordability and quality. Rankings are based on a number of factors that all add up to represent the provider's overall value. The provider we find to strike that balance the best gets our Best Value Seal and is ranked number one. Here are some of the factors that contribute to the way we rank:

Prices and Rates

Price is often the biggest determining factor when a shopper is considering a purchase. Because of this, it plays a big role in rankings. When reviewing a company, we look at the prices and how they compare with industry standards and with other top competitors. We also look at the potential for discounts. Having programs that can drop the price of a service goes a long way in becoming an affordable option in the industry. However, the cheapest provider isn't always the best choice.

Services and Features

Some companies offer services that are consistent with industry standards and struggle to provide anything that sets them apart. On the other hand, some companies strive to innovate within their industries, offering new programs and features that serve to make them an attractive option. This is what we look for; the providers that have features designed with the customer in mind.

Customer Service

This is an often overlooked factor. If everything about your service goes right, you may never have to talk to customer service. However, if you have questions or problems that need addressing, you'll want to deal with an excellent customer service department. We like to see live chats, 24/7 availability and multiple avenues to get in touch via phone and email. BBB ratings also help indicate that a company deals with complaints from its customers. A high score is not a perfect indicator, but a very low score is definitely a red flag.

Catches and Requirements

A company's "ifs and buts" can typically be found in the fine print. Sometimes these can seriously detract from the provider's overall value but they may also be commonplace in the industry. As an example, sometimes online lenders advertise low-interest rates that you can only get if you set up a direct deposit.

Our Relationship with Affiliates

As a business, Money Saving Pro is sustained by our affiliates. Commission may be earned if a visitor uses this link and ultimately makes a purchase. Our site's editorial and writing staff remain autonomous and independent of influence from any commercial teams with which we interact. We do not allow third parties to pay for promotional content in our writing. If a review promotes a product or service it is because we truly believe it has the quality that deserves your consideration.

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Advertiser Disclosure

In order for MoneySavingPro to remain a consumer free service, many of the companies covered in our industry reviews compensate MoneySavingPro for new sign ups.

However, the results of our comparison tools, the rankings of the providers and the information presented is not affected by compensation. Indeed, many of these companies approach us for an advertising partnership after we have already written a published their reviews.

While we try to research and review as many providers as possible in the 100+ industries we cover, we have not reviewed every company available.

Our rating system is independent of compensation and reflects our true understanding of the industry and the company based on a variety of factors. The companies that receive the highest rating will always be the providers that we believe offer the best value to the consumer.