Editorial Policy

How we research, write, review and update every page on this site, and what we do when we get something wrong.

Last updated October 17, 2026. Reviewed by the Fast Loan Advance Editorial Team.

Our mission

People usually look for a loan when money is tight and time is short. Our job is to explain each loan option in plain English, show the real cost before anyone borrows, and keep that information accurate as rates, terms and laws change.

Who reviews our content

Lending content editorsResearch and write loan guides from current loan agreements and disclosures.

Consumer credit reviewersVerify every APR, fee, payment example and calculator result.

Compliance reviewersCheck disclosures against TILA, state lending law and FTC advertising rules.

How a page is made

1. Research

We start from primary sources: loan agreements and rate sheets from our lending partners, federal guidance from the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC), and state lending regulators.

2. Write

Editors explain how each product works, who it suits, what it costs and how it compares with alternatives such as payday loans and credit card cash advances. We use worked examples with real numbers instead of vague claims.

3. Financial review

A consumer credit reviewer recalculates every rate, fee, monthly payment and total cost, and tests our calculators against standard amortization formulas.

4. Compliance review

A compliance reviewer checks that rates, terms and representative examples are disclosed clearly and that nothing implies guaranteed approval.

5. Ongoing updates

Pages are re-reviewed when a lending partner changes rates or terms, when a relevant law changes, and at least every six months. Each page shows the date it was last updated.

Sources we rely on

Loan agreements, rate sheets and Truth in Lending disclosures from our lending partners
Consumer Financial Protection Bureau (consumerfinance.gov)
Federal Trade Commission consumer guidance (consumer.ftc.gov)
State banking and financial regulators
The three national credit bureaus: Experian, Equifax and TransUnion

Reviews and testimonials

We do not write, buy or edit borrower reviews. Themes we summarize from public review sites are labeled with their sources and review date. Verified borrower reviews are published unedited, positive or negative.

Corrections

If you spot an error, email [email protected] with the page address and what needs fixing. We review every report within two business days and update the page, including its last-updated date, when a correction is needed.

How we're paid

We are compensated by our lending partners when a loan is funded. Compensation does not affect what our editors write, which products we explain, or the rates and terms disclosed in your loan agreement.

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