Bajaj Auto Credit vs Chola vs Mahindra Finance at a glance
| Detail | Bajaj Auto Credit | Chola | Mahindra Finance |
|---|---|---|---|
| Loan provider type | NBFC | NBFC | NBFC |
| Legal name | Bajaj Auto Credit Ltd (BACL) | Cholamandalam Investment and Finance Company Ltd (Chola) | Mahindra & Mahindra Financial Services Ltd (Mahindra Finance) |
| Vehicle loans with a published rate | Two-wheeler loan, Electric two- and three-wheeler loan, Three-wheeler loan | Car loan, Two-wheeler loan, Used car loan, Three-wheeler loan, Tractor loan | Car loan, Used car loan, Three-wheeler loan, Tractor loan, Commercial vehicle loan |
| Three-wheeler loan: published rate | Up to 30% p.a.annualised customer IRR | New non-EV 21% - 28%; used non-EV 25% - 28% p.a. | 8% - 25% p.a.policy range, 3-wheelers |
| Three-wheeler loan: maximum tenure | 3-84 months | Not published | 4 years |
| Official website | bajajautocredit.com | cholamandalam.com | mahindrafinance.com |
Bajaj Auto Credit vs Chola vs Mahindra Finance car loan: rate, fees and tenure
Starting car loan rates as published: Chola from 9% and Mahindra Finance from 8%. Mahindra Finance is lower at the starting rate, but the top of each range and your own credit profile decide what you are actually offered. Bajaj Auto Credit does not publish a car loan rate on its website, so none is shown.
| Detail | Bajaj Auto Credit | Chola | Mahindra Finance |
|---|---|---|---|
| Product | Not published | New Car Loan | Car Loan (also separate Utility Vehicle Loan) |
| Published rate | Not published | 9% - 20% p.a.car; MUV 9% - 20% | 8% - 25% p.a.policy range, new assets |
| Rate basis | Not published | Fixed | Policy allows fixed, floating or hybrid; car loan FAQ quotes on flat-rate basis |
| Maximum tenure | Not published | Not published | 5 years |
| Maximum funding | Not published | Up to 100% on-road | Up to 100% of ex-showroom value |
| Processing fee | Not published | 0.5% - 2.5% + sourcing fee Rs 1,000 - 2,500 | Up to 2% of sanction amount (stated for non-Mahindra cars); not stated for Mahindra cars |
| Pre-closure / prepayment | Not published | Full closure: 5% of principal outstanding (7-12 months from agreement), 4% after 12 months, plus GST | 6% of principal outstanding in first 24 months, 3% thereafter; part-payment 5% (13-24 months) / 3% (after 24 months) |
| Other terms published | Not published |
|
|
| Official source | Not published | cholamandalam.com files.cholamandalam.com | mahindrafinance.com media.mahindrafinance.com mahindrafinance.com |
EMI illustration: ₹10 lakh over 60 months
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| Chola | 9% | ₹20,758 | ₹2,45,501 | ₹12,45,501 |
| Mahindra Finance | 8% | ₹20,276 | ₹2,16,584 | ₹12,16,584 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Monthly EMI at other loan amounts (60 months)
| Loan amount | Chola (9%) | Mahindra Finance (8%) |
|---|---|---|
| ₹5 lakh | ₹10,379 | ₹10,138 |
| ₹10 lakh | ₹20,758 | ₹20,276 |
| ₹15 lakh | ₹31,138 | ₹30,415 |
| ₹20 lakh | ₹41,517 | ₹40,553 |
Read the full guide: Car loan · EMI calculator
Bajaj Auto Credit vs Chola vs Mahindra Finance two-wheeler loan: rate, fees and tenure
Only Bajaj Auto Credit and Chola publish a rate for this product with a stated starting figure, so a like-for-like ranking is not possible. Mahindra Finance does not publish a two-wheeler loan rate on its website, so none is shown.
| Detail | Bajaj Auto Credit | Chola | Mahindra Finance |
|---|---|---|---|
| Product | Two-Wheeler Loan | Two Wheeler Loan (new only) | Not published |
| Published rate | Up to 30% p.a.annualised customer IRR | 15% - 28% p.a. | Not published |
| Rate basis | Not published | Fixed | Not published |
| Maximum tenure | 3-60 months | Not published | Not published |
| Maximum funding | Rs 9,999 to Rs 20 lakh | Up to 100% of bike value | Not published |
| Processing fee | Up to 5% of loan amount | 0.75% - 5% + sourcing fee Rs 500 - 2,500 | Not published |
| Pre-closure / prepayment | 'Nominal foreclosure charges' (no figure published on page) | Full closure: 5% of principal outstanding (7-12 months from agreement), 4% after 12 months, plus GST | Not published |
| Other terms published |
|
| Not published |
| Official source | bajajautocredit.com | cholamandalam.com files.cholamandalam.com | Not published |
Read the full guide: Two-wheeler loan · EMI calculator
Bajaj Auto Credit vs Chola vs Mahindra Finance used car loan: rate, fees and tenure
Starting used car loan rates as published: Chola from 15% and Mahindra Finance from 8%. Mahindra Finance is lower at the starting rate, but the top of each range and your own credit profile decide what you are actually offered. Bajaj Auto Credit does not publish a used car loan rate on its website, so none is shown.
| Detail | Bajaj Auto Credit | Chola | Mahindra Finance |
|---|---|---|---|
| Product | Not published | Used Car Loan | Used Car Loan |
| Published rate | Not published | 15% - 28% p.a.MUV 14% - 28% | 8% - 25% p.a.policy range, pre-owned assets |
| Rate basis | Not published | Fixed | Not published |
| Maximum tenure | Not published | 5 years | 5 years |
| Maximum funding | Not published | Up to 100%* | Up to 90% of car value |
| Processing fee | Not published | 0.5% - 3.25% + sourcing fee Rs 1,000 - 2,500 | Up to 2% of sanction amount |
| Pre-closure / prepayment | Not published | Full closure: 5% of principal outstanding (7-12 months from agreement), 4% after 12 months, plus GST | 6% of principal outstanding in first 24 months, 3% thereafter; part-payment 5% (13-24 months) / 3% (after 24 months) |
| Other terms published | Not published |
|
|
| Official source | Not published | cholamandalam.com files.cholamandalam.com | mahindrafinance.com media.mahindrafinance.com mahindrafinance.com |
EMI illustration: ₹5 lakh over 48 months
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| Chola | 15% | ₹13,915 | ₹1,67,938 | ₹6,67,938 |
| Mahindra Finance | 8% | ₹12,206 | ₹85,910 | ₹5,85,910 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Monthly EMI at other loan amounts (48 months)
| Loan amount | Chola (15%) | Mahindra Finance (8%) |
|---|---|---|
| ₹3 lakh | ₹8,349 | ₹7,324 |
| ₹5 lakh | ₹13,915 | ₹12,206 |
| ₹8 lakh | ₹22,265 | ₹19,530 |
Read the full guide: Used car loan · EMI calculator
Bajaj Auto Credit vs Chola vs Mahindra Finance electric two- and three-wheeler loan: rate, fees and tenure
Only Bajaj Auto Credit publishes a rate for this product with a stated starting figure, so a like-for-like ranking is not possible. Chola and Mahindra Finance do not publish an electric two- and three-wheeler loan rate on their website, so none is shown.
| Detail | Bajaj Auto Credit | Chola | Mahindra Finance |
|---|---|---|---|
| Product | Covered under Intracity Commercial Vehicle Loan | EV variants under 2W and 3W loans (no separate EV product page) | Not published |
| Published rate | Up to 30% p.a.annualised customer IRR | 2W EV 15% - 28%; 3W EVnew 16% - 28% p.a. | Not published |
| Rate basis | Not published | Fixed | Not published |
| Maximum tenure | 3-84 months | Not published | Not published |
| Maximum funding | Rs 10,000 to Rs 5 lakh | Not published | Not published |
| Processing fee | Up to 5% of loan amount | 2W 0.75% - 5%; 3W 1.5% - 3.5% + sourcing fee | Not published |
| Pre-closure / prepayment | Not published | Full closure: 5% of principal outstanding (7-12 months from agreement), 4% after 12 months, plus GST | Not published |
| Other terms published |
|
| Not published |
| Official source | bajajautocredit.com | files.cholamandalam.com | Not published |
Read the full guide: Electric two- and three-wheeler loan
Bajaj Auto Credit vs Chola vs Mahindra Finance three-wheeler loan: rate, fees and tenure
Starting three-wheeler loan rates as published: Chola from 21% and Mahindra Finance from 8%. Mahindra Finance is lower at the starting rate, but the top of each range and your own credit profile decide what you are actually offered. Bajaj Auto Credit lists the longer maximum tenure (3-84 months).
| Detail | Bajaj Auto Credit | Chola | Mahindra Finance |
|---|---|---|---|
| Product | Intracity Commercial Vehicle Loan (three-wheelers and Qute) | Three Wheeler Loans | Three-Wheeler Loan |
| Published rate | Up to 30% p.a.annualised customer IRR | New non-EV 21% - 28%; used non-EV 25% - 28% p.a. | 8% - 25% p.a.policy range, 3-wheelers |
| Rate basis | Not published | Fixed | Not published |
| Maximum tenure | 3-84 months | Not published | 4 years |
| Maximum funding | Rs 10,000 to Rs 5 lakh | Not published | Based on vehicle and customer profile |
| Processing fee | Up to 5% of loan amount | New 1.5% - 3.5%; used 1% - 2.5% + sourcing fee | Not published |
| Pre-closure / prepayment | 'Nominal foreclosure charges' (no figure published on page) | Full closure: 5% of principal outstanding (7-12 months from agreement), 4% after 12 months, plus GST | 6% of principal outstanding in first 24 months, 3% thereafter; part-payment 5% (13-24 months) / 3% (after 24 months) |
| Other terms published |
|
|
|
| Official source | bajajautocredit.com | cholamandalam.com files.cholamandalam.com | mahindrafinance.com media.mahindrafinance.com mahindrafinance.com |
EMI illustration: ₹3 lakh over 36 months
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| Chola | 21% | ₹11,303 | ₹1,06,891 | ₹4,06,891 |
| Mahindra Finance | 8% | ₹9,401 | ₹38,433 | ₹3,38,433 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Monthly EMI at other loan amounts (36 months)
| Loan amount | Chola (21%) | Mahindra Finance (8%) |
|---|---|---|
| ₹2 lakh | ₹7,535 | ₹6,267 |
| ₹3 lakh | ₹11,303 | ₹9,401 |
| ₹5 lakh | ₹18,838 | ₹15,668 |
Read the full guide: Three-wheeler loan
Bajaj Auto Credit vs Chola vs Mahindra Finance tractor loan: rate, fees and tenure
Starting tractor loan rates as published: Chola from 12% and Mahindra Finance from 8%. Mahindra Finance is lower at the starting rate, but the top of each range and your own credit profile decide what you are actually offered. Bajaj Auto Credit does not publish a tractor loan rate on its website, so none is shown.
| Detail | Bajaj Auto Credit | Chola | Mahindra Finance |
|---|---|---|---|
| Product | Not published | Tractor & Farm Equipment Loans | Tractor Loan |
| Published rate | Not published | New 12% - 28%; used 17% - 28% p.a. | 8% - 25% p.a.policy range, new/pre-owned assets |
| Rate basis | Not published | Fixed | Not published |
| Maximum tenure | Not published | Not published | 5 years (6-60 months) |
| Maximum funding | Not published | Not published | No fixed minimum or maximum amount |
| Processing fee | Not published | New 0.25% - 2%; used 0.75% - 3.25% + sourcing fee | Up to 2% of sanction amount (farm equipment) |
| Pre-closure / prepayment | Not published | Full closure: 5% of principal outstanding (7-12 months from agreement), 4% after 12 months, plus GST | 6% of principal outstanding in first 24 months, 3% thereafter; part-payment 5% (13-24 months) / 3% (after 24 months) |
| Other terms published | Not published |
|
|
| Official source | Not published | cholamandalam.com files.cholamandalam.com | mahindrafinance.com media.mahindrafinance.com mahindrafinance.com |
EMI illustration: ₹8 lakh over 60 months
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| Chola | 12% | ₹17,796 | ₹2,67,733 | ₹10,67,733 |
| Mahindra Finance | 8% | ₹16,221 | ₹1,73,267 | ₹9,73,267 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Monthly EMI at other loan amounts (60 months)
| Loan amount | Chola (12%) | Mahindra Finance (8%) |
|---|---|---|
| ₹5 lakh | ₹11,122 | ₹10,138 |
| ₹8 lakh | ₹17,796 | ₹16,221 |
| ₹12 lakh | ₹26,693 | ₹24,332 |
Read the full guide: Tractor loan
Bajaj Auto Credit vs Chola vs Mahindra Finance commercial vehicle loan: rate, fees and tenure
Only Mahindra Finance publishes a rate for this product with a stated starting figure, so a like-for-like ranking is not possible. Chola lists the longer maximum tenure (84 months (new)). Bajaj Auto Credit and Chola do not publish a commercial vehicle loan rate on their website, so none is shown.
| Detail | Bajaj Auto Credit | Chola | Mahindra Finance |
|---|---|---|---|
| Product | Not published | Commercial Vehicle Loan (new and used) | Commercial Vehicle Loan |
| Published rate | Not published | New: HCV/LCV 9% - 18%, MLCV 11% - 20%; Used: HCV 12% - 28%, LCV 14% - 28%, MLCV 15% - 28% p.a. | 8% - 25% p.a.policy range, new/pre-owned assets |
| Rate basis | Not published | Fixed | Monthly reducing balance (per product page) |
| Maximum tenure | Not published | 84 months (new) | 60 months new; 36 months used |
| Maximum funding | Not published | Up to 100% (new) | Not published |
| Processing fee | Not published | New 0.25% - 2%; used 0.25% - 3.25% (by segment) + sourcing fee | Up to 2% of sanction amount |
| Pre-closure / prepayment | Not published | Full closure: 5% of principal outstanding (7-12 months from agreement), 4% after 12 months, plus GST | 6% of principal outstanding in first 24 months, 3% thereafter; part-payment 5% (13-24 months) / 3% (after 24 months) |
| Other terms published | Not published |
|
|
| Official source | Not published | cholamandalam.com files.cholamandalam.com | mahindrafinance.com media.mahindrafinance.com mahindrafinance.com |
Read the full guide: Commercial vehicle loan
Which is better: Bajaj Auto Credit, Chola or Mahindra Finance?
No loan provider is best for everyone. This is how the published figures split, product by product.
- Three-wheeler loan, lower starting rate: Mahindra Finance (8%) versus 21% at Chola.
- Three-wheeler loan, longer maximum tenure: Bajaj Auto Credit (3-84 months). A longer tenure lowers the EMI but raises total interest.
- Commercial vehicle loan, longer maximum tenure: Chola (84 months (new)). A longer tenure lowers the EMI but raises total interest.
Pick on total cost, not the headline rate: ask each loan provider for the Key Fact Statement and compare the APR and total repayable amount. A low rate with a high processing fee can cost more than a slightly higher rate with no fee.
Bank type and how each loan provider sets its rate
Bajaj Auto Credit, Chola and Mahindra Finance are nbfcs.
What the loan providers' own pages say about how their rates are set:
- Bajaj Auto Credit publishes only a ceiling for its two-wheeler loan (Up to 30% p.a.), so it cannot be ranked on a starting rate.
- Bajaj Auto Credit publishes only a ceiling for its electric two- and three-wheeler loan (Up to 30% p.a.), so it cannot be ranked on a starting rate.
- Bajaj Auto Credit publishes only a ceiling for its three-wheeler loan (Up to 30% p.a.), so it cannot be ranked on a starting rate.
- Chola car loan: Fixed.
- Chola two-wheeler loan: Fixed.
- Chola used car loan: Fixed.
- Chola electric two- and three-wheeler loan: Fixed.
- Chola three-wheeler loan: Fixed.
Banks and non-banking finance companies (NBFCs) publish rates in different ways: some give a range, some only a starting rate and some only a maximum. That is why this page compares like with like and marks every gap as not published instead of guessing.
About Bajaj Auto Credit, Chola and Mahindra Finance
Bajaj Auto Credit
NBFC · Bajaj Auto Credit Ltd (BACL)
Captive financier of Bajaj Auto, financing Bajaj two-wheelers, three-wheelers and Qute
Chola
NBFC · Cholamandalam Investment and Finance Company Ltd (Chola)
Murugappa Group's vehicle-finance-led NBFC with a large rural and semi-urban branch network
Lowest published starting rate: 9% (Car loan)
Mahindra Finance
NBFC · Mahindra & Mahindra Financial Services Ltd (Mahindra Finance)
Mahindra Group vehicle financier focused on rural and semi-urban India; finances Mahindra UVs/tractors and other brands
Lowest published starting rate: 8% (Car loan)
What to check before you choose a vehicle loan
- Ask for the Key Fact Statement (KFS). RBI requires loan providers to give you one before you sign, showing the interest rate, all fees, the APR and the total amount you will repay.
- Compare APR, not the headline rate. Processing fee, documentation charges and insurance change the real cost.
- Ask about pre-closure charges. Fixed-rate vehicle loans often carry charges for paying early; floating-rate loans to individuals cannot.
- Check what is bundled. Insurance, extended warranty or accessories added to the loan raise the amount you pay interest on. You are free to buy insurance elsewhere.
- Confirm the hypothecation. The loan provider's name is noted on the registration certificate. After the last EMI, collect the NOC and have it removed at the RTO.
Terms used on this page
Plain meanings of the terms this comparison uses.
Starting rate: The lowest rate a loan provider advertises for a product. Most borrowers are offered a higher rate, because the final rate depends on credit score, income, employer and loan amount.
APR: Annual percentage rate. It adds the processing fee and other charges to the interest rate, so it shows the yearly cost of the loan better than the interest rate alone.
Key Fact Statement: A short summary the loan provider gives you before you sign. It lists the interest rate, every fee, the APR and the total amount you will repay. RBI requires it for retail loans.
Floating rate and repo rate: A floating rate moves with a benchmark, and for banks that is usually the RBI repo rate, the rate at which RBI lends to banks. A fixed rate stays the same for the period you agree.
Processing fee: A one-time charge for handling the application. It is usually a percentage of the loan amount plus GST, and it is often deducted before the money reaches you.
Credit score: A number from 300 to 900 that shows how you have repaid past loans and cards. A higher score usually gets you a lower rate.
Sources, method and last check
Every figure above comes from the loan provider's own website. We checked them on 4 October 2026 and list the pages used.
- Bajaj Auto Credit: bajajautocredit.com/two-wheeler-loan-interest-rates · bajajautocredit.com/three-wheeler-loan-interest-rates
- Chola: cholamandalam.com/get-new-car-loans · files.cholamandalam.com/files/Interest+Rate+Policy+-+Mar2026.pdf · cholamandalam.com/get-two-wheeler-loans · cholamandalam.com/get-used-car-loans · cholamandalam.com/get-three-wheeler-loans · cholamandalam.com/get-tractor-loans
- Mahindra Finance: mahindrafinance.com/loans/car-loan · media.mahindrafinance.com/2025/02/Interest-Rate-Policy_Updated_21-July26_clean.pdf · mahindrafinance.com/loans/retail-loan-fees-and-charges · mahindrafinance.com/loans/used-car-loan · mahindrafinance.com/loans/three-wheeler-loan · mahindrafinance.com/loans/tractor-loan
Method: we list only figures we could find on the loan provider's official pages. A blank means the loan provider does not publish that figure, and we never estimate one. Rankings use the published starting rate and published maximum tenure only. Read our editorial policy, how we make money and tell us about an error.
More loan provider comparisons
Bajaj Auto Credit compared with other loan providers
Chola compared with other loan providers
Mahindra Finance compared with other loan providers
Head-to-head pages for these three loan providers
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Frequently asked questions
Which is better for a three-wheeler loan: Bajaj Auto Credit, Chola or Mahindra Finance?
Mahindra Finance has the lower published starting three-wheeler loan rate at 8%, against 21% at Chola. Bajaj Auto Credit allows the longer maximum tenure (3-84 months). A starting rate is the best case, not a typical offer, so confirm the annual percentage rate (APR) and total repayable amount in each loan provider's Key Fact Statement. Figures are as published on the loan providers' own websites and checked 4 October 2026. The better choice depends on your profile, the loan amount and the fees in your offer letter.
Which has the lower three-wheeler loan interest rate: Bajaj Auto Credit, Chola or Mahindra Finance?
Mahindra Finance has the lower published starting rate. Published starting rates: Chola 21% and Mahindra Finance 8% (checked 4 October 2026). Your actual rate depends on your credit profile and the loan provider's approval.
What is the processing fee on a three-wheeler loan at Bajaj Auto Credit, Chola and Mahindra Finance?
Bajaj Auto Credit: Up to 5% of loan amount. Chola: New 1.5% - 3.5%; used 1% - 2.5% + sourcing fee. Mahindra Finance: not published. Fees can change and GST is usually extra, so check the Key Fact Statement.
What is the maximum three-wheeler loan tenure at Bajaj Auto Credit, Chola and Mahindra Finance?
Bajaj Auto Credit: 3-84 months. Chola: not published. Mahindra Finance: 4 years.
What is the EMI on a ₹3 lakh three-wheeler loan at Bajaj Auto Credit, Chola and Mahindra Finance?
Over 36 months at each loan provider's lowest published rate: Chola about ₹11,303 a month at 21%; Mahindra Finance about ₹9,401 a month at 8%. This is an illustration that leaves out fees, GST and insurance. Your offered rate may be higher.
How much of the vehicle price can I borrow on a three-wheeler loan from Bajaj Auto Credit, Chola and Mahindra Finance?
Bajaj Auto Credit: Rs 10,000 to Rs 5 lakh. Chola: not published. Mahindra Finance: Based on vehicle and customer profile. Funding is usually profile-based, so the loan provider decides the final amount.
What other terms do Bajaj Auto Credit, Chola and Mahindra Finance publish for a three-wheeler loan?
Bajaj Auto Credit: Covers Bajaj RE, Maxima passenger/cargo, Qute (petrol/CNG/LPG/diesel). Chola: Rural and semi-urban focus. Mahindra Finance: Auto-rickshaws, tempos and e-rickshaws; No collateral security required. Check each loan provider's page for eligibility and documents before you apply.
Can I prepay or foreclose a three-wheeler loan early at Bajaj Auto Credit, Chola and Mahindra Finance?
Bajaj Auto Credit: 'Nominal foreclosure charges' (no figure published on page). Chola: Full closure: 5% of principal outstanding (7-12 months from agreement), 4% after 12 months, plus GST. Mahindra Finance: 6% of principal outstanding in first 24 months, 3% thereafter; part-payment 5% (13-24 months) / 3% (after 24 months). Floating-rate loans to individuals cannot carry pre-closure charges; fixed-rate loans often do.
Which vehicle loans do Bajaj Auto Credit, Chola and Mahindra Finance publish rates for?
Bajaj Auto Credit: two-wheeler loan, electric two- and three-wheeler loan, three-wheeler loan. Chola: car loan, two-wheeler loan, used car loan, three-wheeler loan, tractor loan. Mahindra Finance: car loan, used car loan, three-wheeler loan, tractor loan, commercial vehicle loan. Based on each loan provider's own website, checked 4 October 2026.
Are the rates on this page the rate I will get?
No. They are the rates the loan providers publish, usually a range or a starting rate. Your approved rate depends on your credit score, income, loan amount, tenure and vehicle. Always read the Key Fact Statement before you sign.
Does KhatuLoans lend money or charge for this comparison?
KhatuLoans is not a loan provider. The loan provider decides approval, rate and terms. Our comparisons are free to read, and we are not paid by the loan providers named here to rank them. See how we make money on our advertiser disclosure page.
KhatuLoans is not a loan provider and is not paid by the loan providers named here to rank them. Rates, fees and prices change; always confirm with the loan provider and dealer. Read our editorial policy and how we make money.