Loans
Products are grouped by purpose: consumer loans, refinancing, car loans, mortgages and cards. Within each group, commercial ordering starts with partners that have at least two distinct revenue-bearing referrals. Offers under evaluation follow, then those without revenue after enough referrals have completed their attribution window. Offers without commission are ordered by verified APR, unknown values last. APR sorting applies separately within each group. Filters use known limits; a missing limit does not confirm eligibility. Cost examples may have different amounts and terms.
We use 90 days of data matching the current network and destination link. The score is revenue minus reversals, divided by exits plus 100. Two payments for the same referral count as one piece of evidence; two referrals do not prove two people or independent applications. An offer with one piece of evidence stays under evaluation. Revenue from a former route is only secondary evidence within that group. After at least 100 referrals without revenue, counted only after the contractual attribution window closes, an offer moves below those under evaluation. Open windows are not failures. The score guarantees neither approval nor payment.
How we qualify cost figures
Displaying a figure and confirming it with the creditor are separate checks.
The figure may remain visible when its source is identified, although the creditor's document has not yet been reconciled with the catalogue. The offer then receives no superiority claim.
APR is hidden when the source is in conflict or the cost check is pending. A missing value does not mean zero cost. The “Lowest verified APR” label appears only when the displayed figure matches the creditor's current document; commission and Recommended order do not affect that label.
Bank deposits
Deposits are ranked only by estimated net gain for the amount, currency and term selected. The rate must come from a current bank document, while the minimum and early-withdrawal rule must be checkable. A future affiliate relationship will be labelled but will not purchase a ranking position.
The institution directory and the product table answer different questions. On 1 September 2026 we track 29 institutions from the official FGDB list, but compare only 6 products with checked rates and conditions. A missing rate means review in progress, not zero interest.
Investments
Investment products are kept outside the deposit table. We first check the entity, regulator warnings and its right to serve Romanian residents. An advertised return is not treated as guaranteed interest, and an outbound button stays disabled until the review is sufficient.
Each outbound visit is measured separately. The data tells us which products deserve further verification or a partner discussion without changing the figures shown to the user.
Last revised: 1 September 2026.