Every lender on Koke is scored from 1 to 5 in five categories. The overall rating is the weighted average, to one decimal. Payment from a lender never changes a score.
| Category | Weight | A 5 means | A 1 means |
|---|---|---|---|
| Cost | 30% | Below the provincial cap, no extra fees | At the cap with add-ons pushed at sign-up |
| Transparency | 25% | Full fee table, sample contract and APR before applying | Cost revealed only after applying |
| Licensing | 20% | Licence verified in every province served, number published | A province served without a verifiable licence (also blocks listing) |
| Flexibility | 15% | Free early repayment, instalment option, clear hardship process | Single payment only, no hardship contact |
| Support | 10% | Phone and chat, Canadian hours, written complaints process | Email only, no complaints process |
Who does the scoring?
Two editors score each lender independently. Any category where their scores differ by more than half a point goes to a third editor. Scores are reviewed every 90 days and whenever a lender changes its terms.