Editorial policy

Independence

Lendarbor is paid by lenders and loan brokers for the loan requests visitors send. That payment does not buy anything on our pages. Partners do not write, review or approve our content. They cannot change what the calculators show, what the rates strip and headlines strip display, or what an article says about a loan size or term. We do not rank lenders, review them or name lenders with their current rates. How we make money explains the business.

Byline

Pages are written and reviewed by the Lendarbor Editorial Team, and they carry that byline. We do not invent authors, photos, credentials or quotes.

Sources

We go to primary sources first:

• federal agencies: the Federal Reserve, the Consumer Financial Protection Bureau, the National Credit Union Administration, the Federal Trade Commission and the Bureau of Labor Statistics;
• federal regulations, read in the eCFR, such as Regulation Z (Truth in Lending) and Regulation B (Equal Credit Opportunity);
• state statutes and the regulators that license consumer lenders.

We use a commercial source only for market data that no agency publishes. When we do, the text names it as a commercial source.

Numbers

Every payment, interest total and loan amount in an example is computed with the standard amortization formula, not copied from somewhere else. Each example states what it assumes, usually a fixed rate, equal monthly payments and no fees. We never present an example as a quote or an offer. The methodology shows the formulas.

Review before publishing

Before a page goes live, each fact is checked against the source it cites, each figure is recomputed, and each link is opened. Every article then shows:

• the date it was last updated;
• a sources box listing the sources it relies on;
• the date its facts were checked.

Updates

Rates and rules change. When the Federal Reserve publishes new data, when a regulator changes a rule, or when a state law takes effect, we recheck the pages that depend on it and update them. Each such change is summarized in the briefing. The rates strip is refreshed by hand when a new reading is published, and each figure carries its own date.

Corrections

If you think something on our pages is wrong, tell us through the contact page. Include the page address and, if you can, a source. We check every report. If the page is wrong, we fix it and change its updated date. If a correction changes a figure or a rule that readers may have relied on, we say what changed on the page.

What we will not publish

• Claims that Lendarbor lends, approves or decides.
• Promises of approval, rates or savings.
• Reviews, star ratings, testimonials, awards or “best” lists.
• Lender names with their current rates or limits, since those change without notice.
• Statistics, studies or quotes we cannot trace to a source.