Loanyzer publishes educational financial content and calculators for consumers who want to understand borrowing decisions before they commit to a loan, lease, mortgage, or major purchase. Because loans, credit, taxes, and affordability decisions can affect a person’s financial stability, we treat this work as a high-trust editorial responsibility.
Editorial mission
Our goal is to make financial decisions easier to understand without pretending that a calculator or article can replace a licensed professional, lender disclosure, tax advisor, or legal advisor. Loanyzer content should help readers compare scenarios, understand trade-offs, identify risks, and know which questions to ask before signing an agreement.
Editorial principles
Loanyzer content should be useful, accurate, current, and clear. We avoid sensational claims, guaranteed approvals, fake lender offers, unsupported rate promises, and wording that could make a reader believe we are giving personalized financial advice. When an article discusses a rule, government program, credit term, tax credit, or rate-sensitive topic, the page should explain the assumptions behind the information and point readers toward authoritative sources where possible.
Source standards
For financial and YMYL topics, we apply a tiered source hierarchy:
- Preferred — primary and official sources: US government agencies (.gov domains), federal regulators, tax authorities, central banks, official lender disclosures, and program administrators. Examples include the Consumer Financial Protection Bureau, Federal Reserve, Internal Revenue Service, Federal Trade Commission, Department of Energy, NHTSA, and state-level housing and finance agencies.
- Acceptable — credible secondary sources: Established financial publications, academic or peer-reviewed research, industry associations, and lender or manufacturer documentation, when used to add context rather than override primary sources.
- Not acceptable: Anonymous forum posts, unverified rate aggregators without methodology disclosure, promotional lender marketing materials presented as neutral guidance, and AI-generated citations that cannot be verified against an original source.
When a primary source is unavailable or a topic involves contested assumptions, articles should state that explicitly rather than present uncertain information as settled fact.
Editorial review process
At Loanyzer, editorial accountability is structured as follows:
- Authors (Daniel Rufyne, Casey Souza, and other contributors) research and draft content within their subject-matter area, applying source standards and the factual accuracy requirements described in this policy.
- Editorial lead (Jaime de Souza, Founder) reviews all published content for source quality, factual accuracy, date sensitivity, compliance with this policy, and whether any wording could be misread as personalized financial advice.
- No article is published without passing both the author's self-review and the editorial lead's approval step.
This process applies to new articles, substantial revisions, and any content flagged through our corrections process.
Content update schedule
Financial information can become outdated quickly due to rate changes, legislative shifts, regulatory updates, or lender policy changes. Our update approach works as follows:
- Rate-sensitive and policy-linked content (EV tax credits, DTI thresholds, DPA program rules, mortgage limits): reviewed and updated whenever a material regulatory or legislative change is identified, typically within 30 days of the change taking effect.
- Evergreen educational content (APR explainers, loan term guides, credit score frameworks): reviewed on a minimum annual cycle, with updates applied if underlying assumptions, regulatory language, or standard industry practice has shifted.
- Calculator logic and methodology: reviewed whenever an underlying formula, regulatory assumption, or source input changes. See our Methodology for details.
Each article displays a "Last updated" date reflecting the most recent substantive review. Minor formatting changes do not trigger a date update.
AI usage rules
Loanyzer uses AI tools in a defined and limited capacity. The following rules govern how AI may and may not be used in our editorial process:
- Permitted uses: Research organization, outline drafting, sentence-level editing for clarity, summarization of source material for human review, and quality checks against our style and accuracy standards.
- Not permitted: AI output published without human review, AI-generated statistics or citations presented as verified facts, AI tools used to fabricate author credentials or biographical information, and AI-generated content that has not been checked against a verifiable primary source.
- Accountability: The editorial lead (Jaime de Souza) is responsible for ensuring AI-assisted content meets the same factual and sourcing standards as manually written content. There is no reduced review threshold for AI-assisted drafts.
For a full explanation of how AI is used across the site, read our AI Content Disclosure.
Independence and monetization
Loanyzer may monetize through advertising, affiliate relationships, lead partnerships, or sponsored opportunities. The following rules apply regardless of any commercial relationship:
- Compensation does not determine editorial conclusions, rankings, or recommendations.
- Sponsored or partner content is disclosed where it exists.
- Educational content must remain accurate and useful whether or not a commercial relationship with a referenced product or lender exists.
- Advertisers and partners have no input into article content, source selection, or editorial decisions.
Corrections process
If a reader identifies a factual error, outdated figure, or broken source link, the correction process works as follows:
- Step 1: Reader submits the issue through our Corrections Policy page or Contact Us form.
- Step 2: The editorial lead reviews the claim against the original source within 14 business days.
- Step 3: If the correction is confirmed, the article is updated, the "Last updated" date is refreshed, and a correction note is added to the affected section where the error was material.
- Step 4: If the claim is not confirmed, the reader is notified with the source basis for the existing content.
Related pages
Readers should also review our Disclaimer, Privacy Policy, and Cookie Policy for legal, privacy, and consent context.