Our Methodology
How we compare financial products in Kenya with accuracy, transparency, and independence
At PesaMarket, we believe that transparency builds trust. This page explains exactly how we collect data, compare products, rank results, and maintain independence in our recommendations. Our goal is to provide accurate, unbiased information that helps you make informed financial decisions.
How We Collect Product Data
1. Primary Sources
We collect product information directly from official sources:
- Bank and lender official websites
- Published terms and conditions documents
- Official mobile banking apps
- Press releases and product announcements
- Direct communication with financial institutions
2. Data Verification
Every piece of information goes through our verification process:
- Cross-reference data from multiple official sources
- Contact financial institutions to confirm rates and terms
- Review published tariff guides and brochures
- Monitor for changes through automated alerts
- Flag discrepancies for manual review
3. Update Frequency
We maintain data freshness based on product category:
- Fast Loans & Mobile Money: Updated weekly (rates change frequently)
- Credit Cards & Personal Loans: Updated monthly
- Mortgages & Business Loans: Updated quarterly
- Savings Accounts: Updated bi-monthly
- Crypto Products: Updated bi-weekly
Major changes (rate adjustments, new fees) are updated immediately upon announcement.
How We Compare Products
We evaluate financial products across multiple dimensions to provide comprehensive comparisons:
1. Interest Rates & APR
- Annual Percentage Rate (APR) for standardized comparison
- Flat vs reducing balance interest calculations
- Promotional rates vs standard rates
- Variable vs fixed rate products
2. Fees & Charges
- Processing/application fees
- Annual fees (for credit cards)
- Late payment penalties
- Early settlement fees
- Hidden charges and fine print fees
3. Eligibility Requirements
- Minimum age and maximum age limits
- Minimum income requirements
- Employment type (salaried, self-employed, student)
- Credit score/CRB requirements
- Collateral or guarantor needs
4. User Experience
- Application process complexity
- Approval turnaround time
- Disbursement speed
- Digital vs manual application
- Customer service quality
5. Additional Features
- Rewards programs and cashback
- Insurance coverage included
- Flexible repayment options
- Top-up facility availability
- Special benefits (lounge access, discounts)
How We Rank Products
Our "Recommended" sorting uses a comparison score based on multiple weighted factors:
Comparison Score Formula
Important: Our ranking methodology is designed to favor consumer value, not commission rates. Products that pay us higher commissions do not automatically rank higher. Featured placements are clearly labeled as "Sponsored" or "Featured".
Editorial Independence
How We Maintain Independence
- Separation of Business and Editorial: Our commercial team (advertising, partnerships) does not influence our comparison methodology or product rankings.
- No Pay-to-Rank: Financial institutions cannot pay to improve their ranking position. Rankings are determined purely by our comparison algorithm.
- Clear Labeling: Featured placements and sponsored content are always clearly marked to distinguish them from organic rankings.
- Affiliate Disclosure: We earn commissions when users apply through our links, but this doesn't affect the accuracy of product information or comparison results.
Our Editorial Standards
- ✓ All product data is fact-checked from official sources
- ✓ We correct errors within 24 hours of discovery
- ✓ We disclose conflicts of interest transparently
- ✓ We accept user feedback and investigate inaccuracies
- ✓ We never remove negative reviews or suppress criticism
Limitations of Our Service
We believe in honesty about what we can and cannot do:
We Are NOT Financial Advisors
PesaMarket provides information to help you compare products, but we do not provide personalized financial advice. Always consult a qualified financial advisor before making major financial decisions.
We Do NOT Guarantee Approval
Lenders make their own approval decisions based on their criteria. We cannot influence approval outcomes or guarantee that you will be accepted for any product.
Information May Become Outdated
Despite our regular updates, rates and terms can change. Always verify current information directly with the financial institution before applying. Each product page shows "Last Updated" dates.
Coverage Limitations
We cover major banks and popular lenders, but may not include every financial product available in Kenya, particularly from smaller microfinance institutions or SACCOs.
How We Handle User Reviews
Verification Process
All user reviews go through moderation to ensure authenticity:
- Reviews are checked for spam, profanity, and irrelevant content
- We verify that reviewers have interacted with the product (where possible)
- Fake reviews or reviews from competitors are removed
- We do not edit reviews but may remove those violating our guidelines
Balanced Representation
We display both positive and negative reviews. Financial institutions cannot pay to remove negative reviews or promote only positive ones. Review ratings are calculated as simple averages of all verified reviews.
Report Inaccurate Information
Found an error or outdated information? We want to know!
Email: feedback@pesamarket.com
Please include: Product name, specific inaccuracy, correct information (with source if possible), and date noticed. We investigate all reports within 48 hours and update confirmed errors within 24 hours.
Last Updated: January 14, 2026
This methodology is reviewed and updated quarterly to ensure continued accuracy and relevance.