Editorial Policy

The Personalloaner Editorial Team writes and reviews each page on this site. Byline credit goes to the real team; we never invent authors, and we never fabricate reviews, ratings, testimonials or credentials.

We trace claims back to primary material: government agencies, regulators and standards bodies. Every sourced figure carries its publisher and retrieval date. When we cannot verify a value, the row points to the source and asks you to check the latest published figure; we print no stand-in number.

The calculators use consumer lending's standard formulas, and we test their output against figures worked out independently. Tell us if something here is wrong, and we will correct it.