Advertiser disclosure
Who pays us, and what it never buys.
CreditMaxer is free to use, and today no institution on this site pays us. This page says how you would know if one did, and the rules we hold ourselves to so that paying us would never change what you see.
What decides where a lender or card landsSame rules, paid or not
Ranks it
- The rate, as the lender publishes it
- Fees and whether the check is a soft pull
- The date we last verified the numbers
- The column you chose to sort by
- Your own figures, in the recommendation tools
Never
- Whether an institution pays us
- How much it pays, or for what
- Whether it has a link on the site at all
- Anything an institution asks us to change
How we make money.
Today, no financial institution pays us. Every link to a card issuer or lender goes straight to its own site, and none of them earns us anything. We may join affiliate programs later, where an institution pays a commission when you visit it through our links or are approved after doing so. If we do, the links that can earn us a commission will be marked Sponsored where they appear, on the link itself, so you know before you click.
Every outbound link on the site leaves through the same redirect, and each click is counted. That count is how a commission would be matched to the click that earned it. What that record holds, and what it never does, is written down in our Privacy policy. An institution that pays us would be listed on exactly the same terms as one that does not.
What compensation never does.
Compensation never affects how lenders or cards are ordered, rated, or included. Comparison tables sort on the numbers you choose to sort by: rates, soft-pull availability, fees. The recommendation tools rank products by their value to you, computed from your own figures. Whether an institution pays us is not an input to any of it, and no institution can buy a place, a rating, or a mention.
Not an input to a sort
A table orders itself on the column you picked. There is no default order that favors anyone, and a paid row cannot move up a sort it did not earn on the numbers.
Not an input to a recommendation
Card and lender picks are computed from the figures you entered and the accounts you connected. Nothing in that computation knows who pays us.
Not a condition of being listed
Institutions are included on the merits of what they offer. Paying us does not get one in, and declining to pay does not keep one out.
What we show either way.
Every rate we display carries the date we last verified it against the lender’s own published information. An entry whose verification has gone stale is flagged and sorts behind fresh entries in rate sorts, sponsored or not. Estimates are educational, not offers, and a lender can change its terms at any time. Confirm the numbers on the lender’s own site before you apply.
What every row carries5 things
WhatDetailsSponsoredNot sponsored
- The rateThe APR range or the price as the lender publishes it, in the same format on every row.ShownShown
- Verified dateWhen we last checked the numbers against the lender's own published information.ShownShown
- Stale flagA row whose verification has aged is marked and sorts behind fresh rows in rate sorts.AppliedApplied
- Place in a sortEarned on the column you chose: rate, soft-pull availability, fees. Ties do not break toward anyone.EarnedEarned
- Sponsored tagOn the link itself, wherever a click can earn us a commission.ShownNo tag
Questions.
If anything here is unclear, or you see a link you think should carry a tag and does not, email admin@creditmaxer.ai or use the contact page. We will give you a straight answer, and if we got something wrong we will fix it on the site and say so here.
A person reads every message.
Questions about a link, a rate, or a ranking: one inbox, answered by someone who can act on it.
CreditMaxer is an educational coaching tool. Nothing on this site or in the app is legal, financial, tax, or investment advice, and we do not guarantee any credit outcome. Our Terms of service and Privacy policy are the other two pages that govern the Service.