Ethical lenders are frustrated because unethical lenders are creating a marketplace where it is hard to compete and borrowers are unable to tell the difference between honest and dishonest brokers in advance. Credit Finance Service Ltd provides a solution for both lenders' frustrations and consumers concerns by creating a "Trusted Marketplace" where lenders agree to a set of ethical business practices and borrowers are educated about what to expect during the loan process.

On Credit Finance Service Ltd all of the lenders in the Ethical Lender Directory have agreed to follow the Borrower's Bill of Rights, a set of ethical business practices that describe how they will interact with the consumer. Therefore, consumers using Credit Finance Service Ltd know what to expect from lenders they are considering. Credit Finance Service Ltd also provides unique research tools to help consumers further, including:

• The Loan Analyzer, which is a unique tool that enables the borrower to evaluate the strengths and weaknesses of their current loan (or the loan they are considering) versus other loan programs available.

• The Truth About Loans center, which provides over 75 concise, consumer-focused articles explaining the entire loan process. The articles come with a point of view on how to best help the borrower.

• The Ethical Lender Directory, which provides a listing of interest rates available by loan product and geography.

• Also, there are over 15 Mortgage Calculators available to help answer questions about loans.