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Editorial Policy

Last updated: July 2026

Our mission

PDLoans247 exists to help U.S. consumers make informed short-term borrowing decisions. We publish calculators, state-by-state guides, and educational content that is accurate, transparent, and free of marketing spin.

Editorial independence

Our content is written before partner compensation enters the picture. Lender compensation does not influence:

  • Which products we recommend or compare
  • The order or ranking of lenders in our comparisons
  • Whether we publish alternatives that don't pay us referral fees
  • Whether we flag warning signs or blacklist a partner

Sourcing

We rely on:

  • Lender disclosures provided under the Truth in Lending Act (TILA)
  • State financial regulator publications and statutes
  • NMLS Consumer Access for lender licensing verification
  • CFPB and FTC consumer protection resources
  • Federal Reserve economic data

We do not cite anonymous sources, unverified reports, or fabricated data. If we cannot verify a claim, we label it as unverified or omit it.

Review process

All content goes through:

  • Initial writing — by the author, using verified sources
  • Editorial review — checked for accuracy, clarity, and compliance
  • Periodic review — content is revisited at least annually, or when laws or lender terms change

Each page displays a "last reviewed" date so readers know when the information was last verified.

Corrections

If you spot an error, email info@pdloans247.com. We investigate and publish corrections promptly.

Advertising disclosure

Our service is free for consumers. We may receive compensation from advertising partners when a user submits an inquiry, clicks through to a partner, or ends up in a funded transaction. This compensation does not affect our calculator outputs, state guides, or educational content.

What we don't do

  • We don't accept payment for positive reviews or coverage
  • We don't guarantee approval or make "no credit check" claims
  • We don't publish content we haven't verified
  • We don't work with unlicensed, offshore, or upfront-fee operators