Advertiser Disclosure & How We Make Money

FinanceToad believes in being upfront about how we earn money. This page explains our advertising relationships, the compensation we receive, and how those relationships do — and do not — affect what you see on our Site.

We Are Advertising-Supported

BAO ADVERTISING LLC ("FinanceToad," "we," "us") is an independent, advertising-supported financing comparison and education resource. We earn compensation when you interact with, get matched to, or sign up with the third-party lenders, financing companies, and advertisers ("Partners") featured on our Site. This compensation may take the form of:

• Referral and lead fees — paid when we send your information or your inquiry to a Partner.
• Affiliate commissions — paid when you take an action with a Partner after clicking through from our Site.
• Cost-per-click (CPC) — paid when you click certain links or advertisements.
• Cost-per-action (CPA) — paid when you complete a specific action, such as submitting an application or being approved.

We Are Not a Lender

FinanceToad is not a lender, bank, or loan broker. We do not make credit decisions, set rates, or originate any financial product. Any rates, terms, or offers displayed on our Site are illustrative examples for educational purposes and are not guarantees. Actual rates and terms come solely from Partners and depend on their criteria and your circumstances. Always review a Partner's official disclosures before accepting any product.

How Compensation Affects What You See

Because we are advertising-supported, the compensation we receive may influence which products and Partners appear on our Site, where they appear, and in what order (for example, in listings, comparison tables, or featured placements). Some placements are paid.

At the same time:

• Compensation does not influence our editorial assessments, ratings, or opinions. Our reviews and educational content are produced independently of our advertising relationships, consistent with our Editorial Guidelines.
• We do not include every product, lender, or offer available in the market. Our listings are not a comprehensive or exhaustive survey of all options, and you may find offers elsewhere that are not shown on our Site.
• Paid placement is never presented as an editorial endorsement. Where compensation affects ordering or prominence, that arrangement does not change our independent assessment of a product.

Ranking Integrity

We strive to keep our editorial judgment separate from our business relationships. Our goal is to help you make informed decisions, not simply to feature whoever pays the most. Where a listing reflects a paid or compensated relationship, we aim to make that clear, and our underlying analysis remains independent.

How This Keeps the Site Free

The compensation we earn from Partners is what allows us to offer our tools, comparisons, and educational content to you at no charge. Without advertising support, we could not provide these resources for free. When you connect with a Partner through our Site, you are helping support the work we do — at no additional cost to you.

Related Policies

For more detail on how this works, please see:

• Our Editorial Guidelines, which explain how we keep editorial content independent of advertising.
• Our Privacy Policy, which explains what information we collect and how we share and sell it to Partners.
• Our Contact page if you have questions about our advertising practices.