Where do our facts come from?

Consumer rights and product rules come from the Consumer Financial Protection Bureau, the Federal Trade Commission and the laws behind them, including the Truth in Lending Act, the Fair Debt Collection Practices Act and the FTC’s Telemarketing Sales Rule. We confirm lender licensing through state regulators and databases such as NMLS Consumer Access. Loan terms, fees and eligibility rules come from each lender’s own pages, and we show the date we last checked them, for example 2026-11-05.

Why don’t we list current rates?

APRs and promotional offers change often and depend on your credit, income and state. Instead of printing numbers that may already be wrong, we explain how a rate is built and link to the lender’s own rate page. Any figures in our worked examples are hypothetical.

Did we use these products?

No. We don’t apply for loans or enroll in debt programs to write about them, and we won’t suggest otherwise. Our guides are built from published terms, regulator material and the law.

How lenders and programs make our lists

Each comparison states its criteria at the top. For lenders, these usually include licensing in the states served, published APR ranges, origination and late fees, whether you can prequalify with a soft credit check, hardship options and CFPB complaint and enforcement history. For debt relief companies, we also look for compliance with the no-upfront-fee rule and clear disclosure of the effect on credit and possible taxes on forgiven debt. Anything that fails a stated criterion is left out.

When a company pays

Paid guides and listings are labeled “Sponsored”, and paid links carry rel="sponsored nofollow". A sponsor can’t change our criteria, its position or the warnings we include.

If we get something wrong

If you spot a mistake, email editorial@quikdrawsoftware.com with the page and a source. We correct confirmed errors and add a dated note to the guide.