Editorial Policy

365 Loans operates as a loan comparison marketplace — not a direct lender. Our editorial content exists to help consumers in the United States make informed borrowing decisions. We are compensated when a user submits an application through our platform; however, this commercial relationship does not influence how we rate, rank, or describe financial products.

Our editorial team works independently from our commercial partnerships. Lenders cannot pay to receive positive editorial treatment, appear in a "best of" list, or have negative information removed from our content.

All editorial content on 365 Loans is produced through the following process:

1. Research: Our writers gather information from authoritative sources, including Consumer Financial Protection Bureau (CFPB), provincial/state government websites, academic research, and primary lender disclosures.
2. Drafting: Content is written in plain language accessible to everyday borrowers. We avoid jargon and financial complexity wherever possible.
3. Fact-checking: Each article is reviewed for factual accuracy. Rate ranges, regulatory thresholds (e.g., state-regulated APR limits), and legal requirements are verified against official sources before publication.
4. Editorial review: A senior editor reviews every piece before publication for accuracy, tone, compliance, and consumer-first framing.
5. Publishing: Articles are published with a "Last Updated" date visible to readers, indicating when content was last verified.

Financial regulations and market conditions change. Our content schedule reflects this:

• Regulatory compliance pages (borrower rights, APR caps, disclosure requirements): reviewed quarterly or immediately when a regulatory change is announced.
• Comparison and guide pages: reviewed at least every six months; updated sooner if rate environments or market conditions shift significantly.
• City and province/state pages: reviewed annually and updated when local lending regulations change.
• Blog and how-to articles: evergreen content is reviewed every 12 months. All "Last Updated" dates reflect genuine review activity, not automated date-stamps.

Content about personal finance, credit, and lending is a "Your Money or Your Life" (YMYL) category — meaning inaccurate information can materially harm readers. We take this responsibility seriously.

Writers contributing to 365 Loans are expected to have demonstrable experience in personal finance, consumer lending, or a closely related field. Where expert reviewers are cited, their credentials are accurate and verifiable.

We disclose any material conflicts of interest. If a writer has a relationship with a lender discussed in an article, they recuse themselves from that piece.