About Us

Leveling the Personal Loan Playing Field


The LoanWinners project started in 2018 when a group of friends realized just how opaque the short-term personal loan business is. Put simply, loan companies have all the power simply because they understand how things work. Ordinary people, usually in the midst of some financial emergency, just don’t have the time to figure out how to get the best deal and often end up with the short end of the stick.

This state of affairs is both absurd and unnecessary. We LoanWinners believe that good information is key to making good financial decisions, and that providing this information is a public service.

david avatar
David Vusi​
The Founder of The LoanWinners
David Vuzi thought he had it all figured out when he got his master’s degree in corporate finance. As people he knew started to ask him questions about debt, savings, credit and investments on a personal level, he realized that he still had a lot to learn, and he’s been learning ever since.

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What We Do

These days, you can hardly turn on your TV or open your phone without being bombarded by an avalanche of ads for financial products. Most if not all of these are designed to lead you into bad decisions, so where is an ordinary person supposed to turn to for good advice? We aim to fill this void, providing reliable guidance for people who would otherwise not know where to start when it comes to making responsible financial decisions.


Frequently Asked Questions

No lender we review is the “best” for everyone; with so many different lending requirements, application procedures and qualification criteria for borrowers, this is not a one-size-fits-all situation. That having been said, we use a weighted-average rating system that incorporates the financial parameters of the loans they offer, customer service experiences, ease of use, any formal complaints or lawsuits filed against them and their commitment to their clients’ long-term financial welfare. Lenders who don’t meet all applicable laws (for example, the Truth in Lending Act) or otherwise appear suspect are not welcome on our website.
Yes and no. We do get a commission from them if you click on one of their links, and some of them pay us for advertising space. In no instance does this come out of your pocket, though, and no amount of money will make us change an unfavorable review or allow a lender who isn’t legit to advertise here. With so many honest financial companies out there, why would we deal with crooks?
Absolutely, just use the contact form you’ll find at the bottom of this page. We do occasionally get things wrong without meaning to, other times our information gets out of date without us realizing it, and occasionally reasonable people can still disagree. We aim to get back to you within 24 hours, but this depends heavily on our current workload, whether David is in the office, and any activities related to taco parties.
More than one person writes for LoanWinners and we don’t all feel the same about everything. We respect each other’s opinions as long as they can justify them, but there are a couple of things we all agree on. Specifically, we see credit and debt as useful tools in some circumstances, but we’d like you to avoid choices that will harm your long-term financial success. Taking out loans you can’t repay, using forms of credit that don’t ultimately improve your score, or using short-term loans for things you should have been able to pay from savings are all examples of what we call Bad Ideas.

Have a question or comment?

We’d love to hear from you.

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