Where the figures come from
Every rate, fee and term on Good Day Loans is read from the lender’s or issuer’s own product page. Each product page names that page, links to it, and shows the date we read it. We do not use figures from review sites, and we do not copy anyone’s ratings.
We currently compare personal loans and credit cards. A loan category opens for comparison only when we have verified at least two offers in it. Until then it is marked coming soon, and we show any single rate a lender publishes with the assumptions attached to it.
When a figure is missing
If a lender does not publish something, we say so. We never fill the gap with a guess. A missing figure cannot win a row in a side-by-side comparison. Where a lender does not publish a minimum credit score, we assume fair credit (630 or higher) for the purpose of filtering, and we show “Not published” on the page.
How loans are ranked
The default order is the estimated total cost of borrowing: interest plus origination fees, for the amount and term you choose and the credit range you select. We do not rank on the advertised starting rate, because the lowest rate in a range is reserved for the strongest borrowers.
To estimate the rate for your credit range, we place it within the lender’s published APR range according to score band. Lenders do not publish where each band falls, so this is our modeling assumption, not a lender quote. Treat it as a planning figure.
| Credit range | Score | Position in APR range |
|---|---|---|
| Excellent | 720–850 | 8% of the way from lowest to highest |
| Good | 690–719 | 38% of the way from lowest to highest |
| Fair | 630–689 | 68% of the way from lowest to highest |
| Limited | 300–629 | 94% of the way from lowest to highest |
How credit cards are ordered
Cards are ordered by annual fee, lowest first, then by the earn rate on everyday purchases. We do not assign a dollar value to points or miles, so a points rate is never treated as equal to a cash back rate. You can re-sort by regular APR or the length of the 0% introductory period, and filter by credit range and annual fee.
What does not affect ranking
Compensation. Good Day Loans is not currently paid by any institution listed here. If that changes, paid placements will be labeled as such, and no institution will be able to pay for a higher position or the removal of unfavorable terms.
How often figures are checked
Figures are checked by hand against the source page on the date shown on each product, and we do not yet refresh them automatically. Rates, bonuses and even product availability change without notice, so always confirm the current terms with the lender before you apply.
Limits of our estimates
Lenders decide rates using information we do not have, including income, debts, employment, collateral and state-specific rules. Our figures assume a borrower who matches the credit range selected and are meant for comparison. Good Day Loans is not a lender or a financial advisor, and nothing on this site is a commitment to lend.