Editorial Policy

Section 01

Who We Are

Our editorial team produces informational content to help consumers understand their options, rights, and the true costs of short-term lending — before they submit any request. We may receive compensation from lenders when a connection results in a funded loan. That compensation never influences our editorial content.

Section 02

Editorial Mission

Our single editorial goal is to give a consumer enough accurate, state-specific information to make an informed decision about whether to submit a loan request — and what they are agreeing to if they do.

Section 03

How We Research & Fact-Check

Every article on this site goes through the following process before it is published:

1. 1

   Primary source verification

   All state law citations — loan limits, fee caps, term limits, rollover rules — are verified against the official state statute or regulatory code, not secondary sources. For South Carolina, this is SC Code Title 34, Chapter 39 (the Deferred Presentment Services Act), cross-referenced with the SC Board of Financial Institutions.

2. 2

   Federal compliance check

   Disclosure language, APR representation, and "trigger term" handling are reviewed against Truth in Lending Act (Reg Z) requirements and CFPB guidance on short-term loan advertising.

3. 3

   Claim accuracy review

   Every factual claim — cost figures, timelines, borrower rights — is verified. Claims that cannot be verified against a primary source are removed or framed as estimates with appropriate qualification.

4. 4

   Compliance language review

   All CTAs, headings, and advertising-adjacent language are reviewed to ensure they do not imply guaranteed outcomes, misrepresent our role as a connector, or constitute deceptive advertising under FTC Act Section 5.

5. 5

   Final editorial review & publication

   The completed article is reviewed for readability, disclosure completeness, and E-E-A-T compliance before the publish date and schema datePublished are set.

Section 04

Primary Sources We Use

We rely on government, regulatory, and statutory sources. We do not treat competitor articles, aggregator sites, or AI-generated summaries as sources.

Section 05

YMYL Standards & E-E-A-T Commitment

Content about financial products falls under Google's Your Money or Your Life (YMYL) category — meaning errors can cause real harm to real people. We apply four E-E-A-T principles to every article:

Experience

Our editorial team researches each state's lending laws directly. Where state-specific nuances exist — such as South Carolina's statewide Veritec database or the NC-border lending restrictions affecting Fort Mill and Rock Hill — we cover them explicitly rather than publishing generic national content.

Expertise

Articles cite specific statutory codes, not general descriptions. Cost tables include the actual APR formula so readers can verify the math. "No credit check" and "instant approval" are explained accurately, not used as marketing claims.

Authoritativeness

We link to and cite the actual government and regulatory sources that govern the loans we describe. Our disclaimer clearly distinguishes our role as a connector from that of a lender.

Trustworthiness

Every article includes: a disclaimer stating we are not a lender; a cost/APR table; a section on cheaper alternatives; and a section on borrower protections and what happens if repayment is missed. We do not hide the cost of the product we help connect people to.

Section 06

How Often We Update Content

Financial laws change. We maintain a review schedule tied to the type of content:

Every article displays a Last Updated date. This date reflects when content was meaningfully reviewed or changed — not a cosmetic date change.

Section 07

Advertising & Compensation Disclosure

This compensation affects which lenders we connect borrowers to — it does not affect the factual content of our articles, our cost tables, our APR disclosures, or our coverage of borrower rights and alternatives. Lenders cannot pay to have unfavorable facts omitted or to have inaccurate claims published about their products.

All articles that appear on pages where a loan request form is present carry the full disclosure stated in our article header.

Section 08

Corrections Policy

If a factual error is identified in any article — by a reader, a regulator, or our own review — we correct it promptly. We do not silently edit articles; a correction note is added at the bottom of the affected page noting what was changed and when.

To report an error, use the contact form below. Please include the article URL, the specific claim you believe is inaccurate, and the source supporting the correction.