EDITORIAL METHOD / 2026-10-23
Trust starts
with the source.
What a review means
We read official public provider pages and record concise factual terms. This edition was checked with Codex assistance on 2026-10-23. It is not lender-verified underwriting, a human-signed certification, a live feed or a rate lock.
Two separate clocks
The source’s publication date or observation period differs from our review date. Unknown dates stay unknown. Monthly review is the baseline. Selected promotional or changing pages receive a weekly watch; that is our schedule, not a claim the provider publishes weekly. An overdue badge appears after the next review date.
Coverage and comparison
This selected U.S. edition does not cover the entire market. Finance companies, intermediaries and platforms are identified, including cases where a bank issues the actual credit. Starting interest, ranges, historical APRs and missing rates remain separate. We do not derive a market average or rank unlike price definitions.
Corrections and new reviews
Retain the previous observation, exact source, reviewer, date and definitions before publishing a changed record. A reminder cannot certify an unperformed review or grant automated collection rights. Restricted or unclear-use sources stay outside automatic collection.
Open methods and interfaces
Public research API · OpenAPI · Read-only MCP tools. Public interfaces contain no private enquiries.