Marketplace, Rates and Calculators
1. What a Number on This Site Is
Nothing on Banrox is an offer. A rate, an annual percentage yield, a monthly payment, a fee, a limit, or a score shown anywhere on this site is published information or an arithmetic estimate. It is not an offer of credit, not a quote, not a pre-approval, and it does not bind Banrox or any company named. Only the provider can make you an offer, in writing, after reviewing your application.
What Banrox does not do anywhere in this marketplace. Banrox does not process payments, hold funds, or move money for anyone. Banrox does not apply for forgiveness, consolidation or an income driven repayment plan for you, and every federal student loan programme is free to apply for yourself at studentaid.gov. Banrox does not negotiate with, contact, or pay any creditor for you, does not enrol you in a debt plan, and does not take or hold your money to pay a debt. Banrox does not extend or arrange credit, does not decide any application, and is not a party to any product you take. Where a page or a navigation label on this site reads as though Banrox does one of these things, this paragraph controls over the label.
Advertised rates are usually the rates available to the most qualified applicants. Most applicants receive a different rate. Your actual terms depend on your credit profile, income, the amount and term you choose, the state you live in, and the provider's own criteria on the day you apply.
2. Where Every Figure Comes From
These are the rules Banrox applies to its own catalogue. They are the standard Banrox holds itself to, not a legal duty anyone imposed, and if you find the site falling short of one of them, saying so is what gets it fixed.
- Rates, fees and terms are read from the provider's own published page, its public rate sheet, or a rate feed the provider publishes for that purpose.
- Each figure is recorded with the date it was last checked, and that date is shown with the figure. If you find a figure with no date, or with a date that looks old to you, treat the provider's page as authoritative and tell us so we can re-check.
- Where a provider publishes a range, we show the range and never the best number alone.
- Where a provider's own pages disagree with each other, the rule is to publish neither figure until the conflict resolves and to mark the product as unverified. If you find a figure here that a provider's own pages contradict, tell us and it comes down.
- Where a figure cannot be verified at the source, we leave it out. We do not carry over a number from last quarter and we do not estimate one.
- We do not accept a rate or a term from an advertiser by email, by spreadsheet, or by any private channel. If it is not published where a reader can also see it, it does not go on the site.
Provider disclosures always control. Where our figure and the provider's disclosure differ, the provider's disclosure is correct and ours is out of date.
3. How Products Are Ordered
The default order in every comparison is computed from objective attributes only:
| Comparison | Default sort | Tie break |
|---|---|---|
| Personal, auto, business and student loans | Lowest advertised annual percentage rate for the amount and term you selected | Lowest total cost over the term, then lowest fees |
| Credit cards | The attribute matching the category you opened, for example lowest ongoing APR, longest introductory period, or highest rewards rate as published | Lowest annual fee |
| Deposit accounts and bank rates | Highest published annual percentage yield for the balance tier you selected | Lowest monthly fee, then lowest minimum balance |
| Insurance quotes | Banrox does not order insurance quotes. The licensed agency named on the page produces them, decides the order, and is responsible for what it shows you. Banrox is not an insurance agent or broker and cannot sell you a policy | Not applicable |
No insurance agency is named on any Banrox insurance page today. Banrox is not an insurance agent, producer or broker, holds no insurance producer licence in any state, and cannot sell you a policy or bind cover. Where a Banrox insurance page does not name the licensed agency that will receive what you enter, do not submit anything on that page. Tell [email protected] and Banrox will either name the agency on the page or take the form down. The same statement, and the reason for it, is at Service Providers and Data Recipients.
Payment never buys a position. The order of every comparison is computed from the attributes you can check yourself: APR, annual fee, APY, term, and the filters you chose. Banrox does not use whether a company pays Banrox as an input to that order, does not sell badges, and does not let a company request one. Banrox keeps the record of whether a company pays it separate from the product attributes the ranking uses, and any change to the ranking code is reviewed against this rule before it ships. Changing your filters changes the order. Nothing else does.
How you can check. Every link that pays Banrox will carry the words "Banrox may be paid if you are approved" next to the button itself, not only on a disclosure page, because a disclosure a reader has to go and find is not a disclosure at the point of the claim. If a link carries no mark, Banrox earns nothing from it. As of the effective date of this page Banrox has no live affiliate agreements at all, so no Apply or Source button on this site pays Banrox anything. Write to [email protected] about any specific link and Banrox will tell you what it pays.
4. Calculators and Estimates
Calculators on this site apply standard formulas to the numbers you type. They are teaching tools for comparing scenarios, not predictions and not quotes.
- Results assume a fixed rate, equal periodic payments, no missed payments, no fees unless you enter one, and no change in law or in the provider's terms.
- Results ignore taxes, insurance, escrow, origination and prepayment charges, and compounding conventions that differ between providers, unless the specific calculator says otherwise on the page.
- Rounding means a result can differ by a few dollars from a provider's own figure. Where the difference matters, the provider's figure is the one that counts.
- Nothing you type into a calculator is an application, and using one does not cause any credit inquiry.
- A debt payoff or consolidation calculator shows you arithmetic and nothing else. It does not contact a creditor, does not negotiate, does not enrol you in anything, and does not predict what will happen to your credit score.
5. The Bank Directory and Rate Monitor
Directory entries, including addresses, branch details, routing information and hours, are compiled from public records and the institution's own published information. Institutions merge, rebrand, and close branches, and public files lag behind. Verify anything that matters, especially routing numbers, with the institution before you rely on it. Banrox is not affiliated with, endorsed by, or sponsored by any institution listed, and listing is not an endorsement.
6. Scores, Grades and Badges
Where Banrox shows a rating, grade, or badge, the page states what produced it. Ratings are editorial judgements applied consistently across a category, computed from the same published attributes shown in the table, and never influenced by whether a provider pays us. A badge is never sold, and a provider cannot request one.
7. Availability
Products are not available in every state, to every applicant, or at every moment. Providers withdraw products without notice. A product shown to you may be unavailable by the time you click. That is a limitation of publishing, not a bait tactic, and the rule Banrox applies is to remove a product it learns has been withdrawn rather than leave it up. If you click through to something that no longer exists, tell us and it comes down. The catalogue covers a selection of United States products, not all of them. A company can be missing because we have not added it yet, because we could not verify its terms, or because it asked to be removed. A missing company is not a judgement about it.
8. Corrections
If a number here is wrong, write to [email protected] with the page and the figure. We check it against the source and correct it, and where the correction changes a number a reader could have relied on, the page carries the date of the correction. We do the same whether the report comes from a reader, from a competitor, or from the provider itself. We do not remove a correct number because a provider dislikes it.
9. Use of This Data
The compilation, selection, arrangement, methodology, and presentation of the data on this site are protected by copyright and by database rights. You may use it for your own personal comparison. You may not scrape it, redistribute it, resell it, or use it to train a model. See Acceptable Use Policy.
