What a loan marketplace is paid for

A lead marketplace is paid by lenders for access to consumers who match a lender's filters, and its own pages say so. That business cannot rank by what a loan costs to repay, so this site ranks by one published formula instead.

What does supermoney.com sell, in its own words?

Access to consumers. The site's "Feature Your Company" page tells lenders they can "Reach in-market customers, actively comparing and researching products" (checked 2026-08-25). The same page offers to "set pre-qualifications based on consumer demographic, location, purchase intent, credit health, and more" (checked 2026-08-25). The buyer of that page is a lender, and the product is a person who is about to apply.

The footer carries three commercial links: "Feature Your Company" (/ads), "Monetize Program" (/monetize), and "Offer Financing" (/point-of-sale-financing) (checked 2026-08-25). I quote the wording and stop there. Nothing on those pages says how much a lender pays or how a placement is chosen, and I do not guess.

Why can a lead marketplace not rank by total repayable?

Because the number it is paid on and the number you pay are different numbers. A lender pays for a matched consumer. You pay a monthly amount for 36 or 60 months. A table built to deliver the first has no reason to compute the second. The target's personal loans page does not compute it.

On August 25, 2026 the page source served to my checker for /reviews/personal-loans carried the heading "Best Personal Loans for August 2026" (checked 2026-08-25). It also carried the phrase "Compare real offers from multiple lenders". It carried no lender table and no ranking methodology. The table is drawn by JavaScript, so a plain fetch cannot read it. That is a limitation of my checker as much as a property of the page, and I label it as mine. What I can say is that the served source gave no basis for the order.

There is a second reason, and it is structural. A range such as 6.99% to 35.49% does not become a cost until you fix an amount, a term, and a fee. A marketplace that lists "APR from X%" has published the floor of a range. Nothing on a marketplace card says how many applicants receive the floor. The one lender page that does, LightStream's, puts it at no fewer than 33.00% of approved applicants who applied for the lowest rate (checked 2026-08-25). What a personal loan costs walks through why the floor is the least informative end.

What does the target's page show instead of a cost?

The one thing the served source shows is the phrase "Compare real offers", which is an invitation to apply, not a figure (checked 2026-08-25). An offer arrives after an application. So any comparison of offers happens after the reader has handed over the data the lender was paying to reach. That ordering is the whole product. I do not claim the page misleads anyone; I claim it does not publish the number this site publishes.

What does this site do instead?

It computes a best-case total for every lender that publishes at least a floor, and a worst-case total where a ceiling is published too. The inputs come from the lender's own rates page, and the tables are ordered by that number. The reference loan is 10,000 over 36 months. For the United States, best-case total repayable across the 22 computable lenders ran from $10,945 (Happen) to $11,955 (OneMain Financial), median $11,279 (checked 2026-08-25). Worst case across the 19 lenders with a ceiling ran from $11,955 (Alliant Credit Union) to $16,487 (Upstart), median $16,481 (checked 2026-08-25). Happen is the new name of LendingClub, whose personal-loan address redirects to happen.com (checked 2026-08-25).

The arithmetic behind the worst-case top of that spread is short. Upstart's published ceiling is 35.99% APR with no fee range stated on its page (checked 2026-08-25).

$10,000 × 35.99% APR, 36 months $457.98 × 36 months = $16,487

For the United Kingdom the same reference loan across 17 computable lenders gave best-case totals from £10,911 (M&S Bank) to £13,510 (Lendable), median £11,065 (checked 2026-08-25). Worst case across the nine lenders with a ceiling ran from £11,219 (Metro Bank) to £17,420 (Lendable), median £14,590 (checked 2026-08-25). The two markets are never placed in one table, because a converted figure cannot be checked against the source page. You can redo any of these figures with your own amount and term in the calculator.

The sort key is total repayable, best case, ascending. Ties break alphabetically. There is no score, no weighting, and no lender input. Method lists what is added and what is left out. Late fees, optional insurance, and early-settlement charges are left out because they depend on what happens after you sign.

What does "no leads" mean on a site like this?

It means there is no form. The provider list links to each lender's own rates page and to nothing else. I collect no application data. I take no per-click or per-applicant payment from any lender named on this site unless the Disclosure page says otherwise. The position of a lender in any table cannot be bought. That is a smaller business than a marketplace. It is also the only arrangement under which the ordering can be by cost.

The difference shows on a single lender page. A marketplace card shows "APR from 6.99%". SoFi's page shows the payment at 6.99% and at 35.49% (checked 2026-08-25). It also shows the 0% to 7% fee that SoFi says is deducted from proceeds, and the amount you would sign for at the top of that fee (checked 2026-08-25). APR, fee and term explains how those three inputs become a payment.

Where the numbers here fall short

Three limits apply, and each is mine rather than a lender's. One US page could not be read at all. Reach Financial served only a "You need to enable JavaScript" message on August 25, 2026, so it is listed with no figures (checked 2026-08-25). Three US lenders and three UK lenders show a rate only after an application (checked 2026-08-25). They appear by name with the label that says so. And where a lender publishes a floor but no ceiling, the worst case is shown as not computable rather than filled in. Who publishes a range counts each group.

Traffic is not in any figure on this site. Similarweb's public estimate for supermoney.com is a model, not a measurement (checked 2026-08-25). I do not use it to rank anything.

Where the answer changes

Who this article is not for

If you already have a signed loan agreement, the APR, fee, and term on it replace every range on this site. The question of who paid for the listing is behind you. This article is for the reader who is still looking at a list and wants to know why it is in that order.

Sources

How this article was made. Written by Kaz, an independent publisher. All figures come from the companies' own published documentation or regulator publications; each figure carries the date it was last checked. I have not borrowed from these lenders, nothing here is a personal test result, and nothing here is financial advice. The arithmetic is shown so you can recalculate with your own numbers. Found an error? Use the contact form; corrections are logged on the Editorial policy page.

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Written by Kaz (pen name). Figures are copied from providers' published pricing pages on the dates shown. We have not used these products. Corrections: contact form.