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Optimly is completely free to use, and all of our tools, guides, and comparison features are available at no cost. To enable us to do this, we work with product providers who pay us in different ways, depending on the type of product or service you buy through us:
1. A flat fee payment: A fixed amount paid to us when you take out a product through our site.
2. A commission fee: A percentage based on the size or type of product — such as a loan amount or insurance premium.
3. A click-through fee: A small payment when you visit a provider’s site from Optimly, even if you don’t complete an application.
These payments never affect how products are ranked or featured. We stay independent and base our comparisons on objective factors like rates, fees, and features.
We aim to present products as clearly and fairly as possible
Our default rankings are based on key factors like interest rates, fees, product features, and customer flexibility — depending on the product category.
You stay in control
Every comparison tool includes filters and sorting options, so you can personalise results based on what matters most to you.
We never sell rankings
Providers cannot pay to appear higher in our tables — all positions are earned based on objective criteria. If a product is advertised or sponsored, it will always be clearly labelled and separated from ranked results.
Yes, Optimly is completely independent. We’re not owned by any bank, insurer, lender, or comparison group. Everything we publish — from our tools to our guides — is created without interference or influence from advertisers or partners.
We make decisions based on what’s best for our users, not what benefits a provider. We have a customer-first philosophy and operate on a simple belief: if we look after our users, the business will take care of itself. Our goal is to help people make smarter financial choices — fairly, transparently, and without bias.
We monitor rates and product details daily, and update our listings as soon as providers make changes. Where possible, we integrate directly with providers to ensure accuracy and minimise lag.
If you spot an error or outdated detail, you can report it to our team and we’ll investigate promptly.
No — we never sell your personal data. We believe in privacy by default. You can use Optimly anonymously, and any personal information you choose to provide is handled securely and never shared without your permission.
All personal data is encrypted in transit using TLS 1.2+ and at rest using AES-256 encryption — the same standards used by leading banks and financial institutions. We comply with UK data protection laws, including the GDPR.
