How we research, write, and review.

Every page on LendWyse exists to help borrowers make a clearly-informed decision about personal credit. We write for people considering real money decisions — not for search engines, and not for advertisers. If an article cannot pass that test, it does not get published.

All guides, comparisons, calculators, and journal entries are produced by the LendWyse Desk — our in-house editorial team of personal-finance writers, lending operations staff, and compliance reviewers. We do not accept paid guest posts, sponsored placements, or "review-for-payment" arrangements. Lender partners have no input on our editorial calendar, rankings, or ratings.

We rely on primary sources first: lender disclosures, Truth-in-Lending Act (TILA) statements, public regulatory filings (CFPB, state DFIs), Federal Reserve consumer-credit data, and direct operational data from our own marketplace. Secondary citations to NerdWallet, Bankrate, Experian, FICO, and similar are used only to corroborate primary data, never as a substitute for it.

Every article moves through three stages before publication: a writer draft, a senior editor pass for accuracy and clarity, and a compliance review against UDAAP (Unfair, Deceptive, or Abusive Acts or Practices) and Reg Z standards. APR ranges, fee disclosures, and qualification criteria are cross-checked against partner lender documentation within 30 days of publication.

We re-review every guide and comparison at least quarterly. Pages publish a last updated date based on the most recent substantive edit (auto-stamped from our version control). If a partner lender changes their APR floor, fee structure, or eligibility rules, related pages are updated within five business days.

If you spot a factual error, email editorial@lendwyse.com. We investigate every report, correct the article when warranted, and note any material correction at the top of the page.