Many of our readers are stressed and comparing options late at night, so we keep a short, strict list of who can advertise to them. Sponsored posts on request. Email editorial@quikdrawsoftware.com with your topic and target URL.

Who can advertise

• State-licensed lenders and loan marketplaces that show APR ranges and fees before a hard credit check.
• Nonprofit credit counseling agencies.
• Debt relief companies that follow the FTC’s Telemarketing Sales Rule, which bars collecting fees until at least one debt has been settled and the customer has made a payment under that settlement.
• Earned wage access, cash advance and buy now pay later apps that disclose every fee, including tips, subscriptions and late fees.
• Student loan refinancers.
• Budgeting and debt-payoff tracking tools.

Off the table

• Payday lenders, auto title lenders and tribal lenders.
• Any lender not licensed in the states where it lends.
• Debt settlement firms that take fees upfront or promise to wipe out debt.
• Credit repair firms that charge before the work is done, which the Credit Repair Organizations Act prohibits.
• “Guaranteed approval” or “no credit check, instant cash” pitches.
• Guaranteed-return investments, crypto “recovery” services and token presales making price claims.

Placement prices

Labels and links

Sponsored guides carry a “Sponsored” label at the top, and every paid link uses rel="sponsored nofollow". A sponsored listing in a comparison is marked as such and still has to pass the criteria in our editorial policy. Every comparison keeps its “Watch out for” row, paid or not.