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 are identified by the article byline. A byline may identify a recorded contributor or the Loanyzer editorial team. Organizational authorship does not imply an individual human review.
- Editorial lead (Jaime de Souza, Founder) is responsible for editorial standards and corrections. This role does not establish that he has personally reviewed every published article or update.
- Some articles and updates use AI assistance and automated source or calculation checks. Automated checks do not establish human review. A reviewer and review date are displayed only when an individual human review is attested for the exact published version.
These distinctions apply to new articles, revisions, and corrections. Changing the content invalidates any review attestation for the previous version.
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): prioritized for checking when a material regulatory or legislative change is identified. Readers should verify the current rule with the linked official source.
- Evergreen educational content (APR explainers, loan term guides, credit score frameworks): checked for changes in underlying assumptions, regulatory language, and standard industry practice when scheduled for an update. An update date is not evidence of a separate human review.
- Calculator logic and methodology: reviewed whenever an underlying formula, regulatory assumption, or source input changes. See our Methodology for details.
When available, Published identifies the original publication date and Updated identifies the recorded modification date. An update may include editorial or technical changes; it does not attest a human review. A review date belongs only to the version that was explicitly reviewed.
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, outlines, drafting assistance, editing for clarity, summarization of source material, and automated quality checks. AI assistance is disclosed where it is documented.
- Not permitted: Fabricated statistics, citations, author credentials or biographies; claims of human review without a version-specific attestation; and presenting unverified AI output as established fact.
- Accountability: The editorial lead (Jaime de Souza) is responsible for editorial standards and corrections. AI assistance and automated checks do not certify accuracy or replace an individual human-review attestation.
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.
