How We Make Money

Kres Financial earns money when a reader clicks a link on our site and then signs up for, or uses, a product from a company that pays us. That payment is called a commission. It does not change the price you pay the company.

This page explains who pays us, what they pay for, and what that money does and does not change.

Who pays us

Only approved commercial relationships appear in the current paid-links list below. An approval request does not mean a company pays us.

How the money works

• What triggers a payment. Companies pay us for a specific action by a reader who came from our link, such as opening an account, making a first payment, or requesting quotes. Each company sets its own rule.
• What it costs you. Nothing extra. The company pays us out of its marketing budget.
• What we never see. We do not collect your application details. If a partner's form asks for your information, that partner collects it under its own privacy policy and terms.

How you will know a page can earn

Every page that contains a paid link says so in plain words directly under the headline, before the first link:

We earn a commission if you sign up through links on this page. The opinions are ours. Here is how we make money.

Each paid link or button also carries a small "Paid link" label next to it. A disclosure only on this page, or only in the footer, is not enough, so we do not rely on one.

Pages that receive paid advertising traffic, such as from social media ads, are advertisements. We do not run paid ads for any Kikoff brand, including Grant Cash Advance. They live in a separate part of the site, are labeled "Advertisement" above the headline, and carry the same disclosure.

What money does not change

• What we write. Every article must be useful with every link removed. Each one includes a "Who should skip this" section, and many conclude that the free option, or doing nothing, costs less.
• The order of products. When a page lists or compares products, the order follows a rule printed above the table, such as total cost or alphabetical order. Commission is never a sorting rule, and our publishing system does not store commission next to the data used to sort.
• Our numbers. We do not repeat a company's savings or results claim unless we can show where it comes from, next to the number.

What money can change, and how we handle it

Commercial relationships can affect which companies we cover and whether a company reviews its product facts before publication.

• Which companies we cover. A company that pays us is more likely to be written about than one that does not, because we have reason to look at it closely. We do not cover every company in a category. To offset that, our guides cover free and non-partner options too.
• Partner review. Some companies require us to get their written approval before we publish a page that links to them. When a page went through that review, the page says so. Partners can ask us to correct facts about their product, and we will. A partner cannot buy a rating, a ranking, or our opinion. If a partner's terms would require removing our honest view, we would take the page down rather than publish a version we do not believe.

Who publishes this site

Kres Financial is published by Sebastian Cosentino, who also runs Kres, a marketing agency that works with consumer finance companies. Grant is not a client of the agency. The Grant review is awaiting partner approval. The opinions are ours.

Questions

If something on a page looks like it was shaped by money, we want to hear about it: contact us.