How we verify every number we publish.

Personal loans are a regulated financial product. A wrong APR, a misquoted credit-score floor, or a stale fee figure can lead a borrower into a worse decision than the one they came in with. We treat every numeric or factual claim on LendWyse as something that has to be defensible from a primary source.

Every article goes through three independent checks before it publishes:

1. Writer self-check — every figure cited has a source link or internal document reference saved in our CMS.
2. Editor verification — a senior editor independently re-checks each cited number against the original source, not the writer's notes.
3. Compliance review — APR ranges, fee disclosures, and qualification language are cross-checked against partner lender documentation and federal disclosure rules (Reg Z, TILA).

Primary sources we cite directly:

• Partner lender disclosures and rate sheets
• CFPB Consumer Complaint Database and enforcement orders
• Federal Reserve Consumer Credit (G.19) data
• FDIC, OCC, NCUA, and state DFI filings
• FICO and VantageScore methodology documents
• SEC filings for publicly-traded lenders

Secondary sources — NerdWallet, Bankrate, Experian, Equifax — are used to triangulate primary data, never as the only citation.

Lender APR floors, origination fee ranges, and minimum credit-score cutoffs move. When a partner lender notifies us of a change — or our quarterly review surfaces one — we update every affected page within five business days and re-stamp the page's last-updated date.

If something on LendWyse looks wrong, please tell us. Email editorial@lendwyse.com with the page URL and what you believe is incorrect. We respond to every report. Material corrections are noted at the top of the affected page so you can see exactly what changed and when.

See also our editorial policy and how we make money.