The Balance Review Process

At The Balance, we are dedicated to giving you unbiased, comprehensive reviews of products that affect your finances.

Why You Should Trust Us

Our reviews are always impartial. No one can influence which products we review, the way we present them to you, or the ratings they receive. The data we collect and our editorial expertise determine the list of products you see in our roundups and the reviews you read—that’s it.

When we review a product—whether that’s a bank account, a loan company, or a mobile app—you’re the first thing on our minds: Does this product make your life better? How much will it cost you? Is it easy to understand? The answers to these questions drive our recommendations.

Our opinions are our own. What we say about a particular product is not reviewed or approved by any partner we work with. To put it simply, we recommend products we would use ourselves.

Advertiser Disclosure

We do receive compensation from partner links in our content, but this compensation never affects our recommendations, the products we review, or where products appear in our reviews. Keep in mind we are unable to consider every possible product available to you. While we work hard to review a thorough sampling of products on the market and make recommendations regardless of any advertising relationships, we’re human, and we can’t cover everything.

We receive compensation for the following products or from the following partners:

Acorns - Invest Spare Change Ally Invest Avant Avant
Axos Bank BBVA Blooom CPL Blooom CPL
Capital Bank Checks In The Mail Checks In The Mail
CIT Bank Citi CommonBond Credit Karma New Members
Credit Karma New Members Credit Karma Tax Earnest Ellevest Affiliate Program
Ellevest Affiliate Program Green Dot Bank
Green Dot Bank H&R Block Huntington National Bank Intuit Small Business - QuickBooks, GoPayment, Payroll
Intuit Small Business - QuickBooks, GoPayment, Payroll Jackson Hewitt Ladder Ladder Life
Ladder Life LendingClub - Borrower LendingClub - SMB LendingClub Auto Refinance
loanDepot loanDepot Payoff PolicyGenius
PolicyGenius Quicken Loans Robinhood SoFi
SoFi Stash TD Bank The Hartford AARP Auto Insurance
The Hartford AARP Auto Insurance TransUnion Upstart Personal Loans USAA
USAA Wealthsimple American Express (Savings) eHealth
eHealth Earnest

Our Team

The Balance editorial team has decades of experience researching and writing about all things personal finance. We’re consumers, too, so we know how important it is to have trustworthy resources when making decisions. That’s why we’re committed to getting the facts right and providing clear explanations of how things work. Meet some of our key team members:

Sienna Kossman, Credit Cards Writer
Sienna is devoted to helping consumers understand an often-confusing product: credit cards. Prior to joining The Balance team as a staff writer in May 2019, she spent several years working with as a credit card researcher and writer. Her work has been published and cited by The Wall Street Journal,, HuffPost, and Sienna started writing about personal finance in 2013 for U.S. News & World Report.

Justin Pritchard, Banking & Loans Writer
Justin is a Certified Financial Planner with more than 14 years of experience writing about personal finance. He has been the Banking and Loans Expert for The Balance since 2005 and wrote in the stocks section starting in 2003. Justin has worked for large financial firms and served in small credit unions, and he founded a fee-only financial planning practice, Approach Financial Planning, in Montrose, Colorado.

LaToya Irby, Credit Scores, Reports, & Cards Writer
LaToya has more than 12 years of experience in financial reporting as a writer and ghostwriter for dozens of personal finance outlets, and has been quoted as an expert in publications including USA Today, U.S. News and World Report, and The Chicago Tribune. LaToya has been a credit expert for The Balance since 2007.

Emily Delbridge, Auto Loans & Insurance Writer
Emily has more than 13 years of experience as a licensed Personal Lines Insurance Agent, and more than seven years of experience writing about insurance, loans, and other personal finance topics. Emily has been a car insurance and loans expert for The Balance since 2011.

Mila Araujo, Personal Insurance Writer
Mila is a certified Personal Lines Insurance Broker and the Director of Personal Insurance for Ogilvy Insurance since 2007. She has 20 years experience in the insurance industry in roles from ranging from customer service and sales to underwriting and management. Mila has written about insurance for The Balance since 2016.

Janet Hunt, Personal Insurance Writer
Janet has been working in and writing about the insurance industry for more than 20 years. Her career has spanned from customer service and personal lines insurance to covering insurance industry trends and reviewing insurance companies. Janet has been an insurance companies expert for The Balance since 2012.

Christine DiGangi, Editorial Director
Christine has dedicated the majority of her career to financial education. In early 2019, she joined The Balance as Editorial Director, where she oversees content strategy and operations. Previously, Christine served as the managing editor of mortgage content at LendingTree, and an editor and writer for

Yasmin Ghahremani, Senior Editor
Yasmin is a senior editor at The Balance, where she oversees reviews of consumer financial products. She joined the team in April 2019, bringing seven years of experience educating consumers about personal finance. She was previously a managing editor at and Wise Bread, and a contract editor at LendingTree.

Jana Lynch, Senior Editor

After more than a decade in social services, Jana has spent the past seven years working in personal finance as a writer and editor. Her work has been featured on sites such as Frugal Rules, DollarSprout, the Penny Hoarder, and others. She also served as the director of grants and programs for the Plutus Foundation, a nonprofit dedicated to personal finance education, and is an advocate for victims and survivors of financial abuse.

Our Mission

It’s simple: We’re here to help you make smart financial decisions. There are so many options to consider when opening a savings account or electing an insurance policy, and we want you to feel confident when you make those choices.

Our Process

We’re obsessed with staying on top of the latest developments in the personal finance world and keeping you up to speed on them, too. When we’re deciding what to review or rounding up the best offers out there, we rigorously research the market, what people are looking for, and what makes an outstanding product.

We spend days—sometimes months—collecting all this information. Then, using that data and our expertise, we set clear, consistent evaluation criteria for each product we review.

But once we publish an article, we don’t forget about it. Our team is relentless when it comes to keeping our recommendations fresh, accurate, and helpful. Even so, we encourage you to carefully read the fine print before buying or applying for any product.

Yes, making the right financial decision often takes hours of diligent research. But we love doing it, which means you don’t have to.