Review Methodology
Every platform on Best Crypto Loans is reviewed using the same transparent criteria. Here's exactly how we evaluate and score crypto lending providers.
Scoring Categories
Each provider is rated across five categories on a scale of 1 to 10:
Rates (25%)
Interest rates, fee transparency, hidden costs, rate competitiveness relative to the market. We compare the effective annual cost including all fees.
Security (25%)
Custody model, insurance, audit history, proof of reserves, regulatory compliance, incident history. For DeFi, this includes smart contract audits and TVL stability.
Features (20%)
Collateral options, LTV flexibility, disbursement speed, repayment options, mobile app, API access, multi-chain support, and unique features.
Support (15%)
Customer service quality, response times, documentation, educational resources. DeFi protocols are scored on community support and documentation quality.
Transparency (15%)
Proof of reserves, public audits, clear terms, regulatory disclosures, fee transparency, and open communication about risks.
How We Calculate the Overall Score
The overall score is a weighted average: Rates (25%) + Security (25%) + Features (20%) + Support (15%) + Transparency (15%). This weighting reflects what matters most to borrowers — cost and safety account for half the score.
Data Collection
We collect data directly from each platform's website, documentation, and public disclosures. We do not rely on self-reported data from providers without verification. Rates and terms are checked regularly, and all review pages display a "last verified" date.
Affiliate Transparency
Some platforms listed on this site have affiliate programs that pay us a commission for referrals. This is clearly disclosed on every page with affiliate links. Affiliate status has zero influence on our scores — our methodology is applied identically whether or not a platform has an affiliate program.
Platforms without affiliate programs (including most DeFi protocols) are reviewed with the same depth and rigor as those with programs.
Updates and Corrections
The crypto lending market changes rapidly. We review all provider data at least monthly and update our reviews whenever material changes occur (rate changes, security incidents, feature launches, regulatory actions). If you spot an inaccuracy, contact us at hello@bestcryptoloans.org.