How We Review
Our reputation is built on trust. We don't just skim the surface; we dive deep, test rigorously, and rate objectively so you can choose with confidence.
Our Philosophy
We believe you deserve honest answers. When we review a financial product—whether it's a loan app, a credit card, or an investment platform—we act as the user. We sign up, we verify, and we test. If a product has hidden fees or poor customer service, we will find it and tell you.
The Review Process
Our evaluation methodology is standardized to ensure consistency across all reviews. Here is how we break it down:
Data Collection
We gather all official documentation, fee schedules, and terms of service. We look for the fine print that marketing materials often hide.
Hands-On Testing
We download the apps and use them. We check the interface (UI/UX), the ease of navigation, and the speed of the service. We test customer support responsiveness.
Scoring & Analysis
We rate products on a 5-point scale across critical categories: Costs, Features, Security, and User Experience. These scores are weighted to calculate the final rating.
Key Rating Factors
- Cost & Fees: Detailed breakdown of interest rates, processing fees, and hidden charges.
- Features: What unique value does this product offer? How does it compare to competitors?
- Security: Is the platform regulated (e.g., SEBI/RBI)? what encryptions are used?
- Customer Support: Availability, response time, and helpfulness of support channels.
Independence & Integrity
Our reviews are never paid placements. Partners cannot buy a higher score. While we may have affiliate relationships, our editorial team maintains complete independence to ensure our reviews remain objective and trustworthy.