Understanding Bankguider’s rate averages
Understanding BankGuider's Rate Averages
How We Collect Rate Data
The APR ranges displayed on BankGuider.com are compiled from the following sources:
- Partner lenders — rates submitted directly or pulled via affiliate feeds, updated regularly
- Publicly available disclosures — lender websites, Truth in Lending Act (TILA) disclosures, and regulatory filings
- Third-party data providers — where applicable, licensed rate data from financial data aggregators
What Our Ranges Represent
We display APR ranges, not a single "average rate." A range such as 8.99% – 35.99% APR reflects:
- The lowest rate available to the most creditworthy applicants (typically 720+ FICO, low DTI)
- The highest rate available to applicants at the lower end of a lender's eligibility criteria
- Rates shown are for illustrative and comparison purposes only
Your actual rate will depend on your credit score, income, loan term, loan amount, and the lender's individual underwriting criteria.
Update Frequency
| Data Type | Update Frequency |
|---|---|
| Partner lender rates | Weekly or upon partner feed update |
| Third-party sourced rates | Monthly |
| Editorial rate roundups | Weekly |
What These Rates Are NOT
- Not a guaranteed offer or pre-approval
- Not based on a hard or soft credit pull by BankGuider
- Not a comprehensive survey of all lenders in the market
Compensation Disclosure
Some lenders featured on BankGuider pay for placement or traffic via our affiliate program. Compensation may influence which lenders appear and their position on comparison pages. However, it does not affect the APR ranges we display — those reflect lenders' actual published rates.
Information We Collect
Personal identifiers (only if you contact us or subscribe) Name, email address, phone number, country/region
Calculator & tool inputs (processed locally, not stored or transmitted) Loan amount, term, income range, credit score range — entered into our on-site calculators for comparison purposes only. This data is not saved to our servers or shared with partners.
Technical data IP address, device and browser type, operating system, language, referral URLs, pages viewed, session duration
Usage data Interactions with tools (calculators, comparison tables, blog), click events, scroll depth, A/B test variants
Cookies & similar technologies Session cookies, analytics cookies (Google Analytics), preference cookies
Communications Messages submitted via contact forms, support requests, survey responses