Last updated: November 6, 2026 ยท National Loans USA is not a lender. How we make money.
This page explains how we write, check and update the guides on NationalLoans.com. We want you to have accurate, plain-English information about borrowing, including your rights and the risks, so you can make your own decision. Our guides are general information. They are not personal financial, legal or tax advice.
Who writes our content
The National Loans USA team publishes our guides. We don’t put a person’s name on each article, so you won’t see a byline. The team as a whole is responsible for what we publish, and the same standards apply to every page. We may use AI writing tools to help research and draft a guide, but every page is checked against its sources by the team before it goes live, and we don’t publish anything we haven’t verified.
How we research
- We rely on government agencies and other primary sources, such as the Consumer Financial Protection Bureau, the Federal Trade Commission, the Federal Reserve, federal bank regulators, state regulators and the text of laws and rules.
- When a fact comes from a source, we link to that source where the fact appears, so you can check it yourself.
- We don’t make up statistics. If we can’t confirm a figure from a source, we leave it out or describe it as a range.
- When we show what a loan might cost, we label it “Example” and show the APR, term, payment and total cost. We do the math with a standard loan formula and check it before publishing. Your actual rate and costs will depend on the lender, your state and your credit.
How we review
Before a guide goes live, a member of the team checks it against its sources. The review looks at facts and numbers, whether the links work, and whether the page is clear and fair. We also check that a page doesn’t overpromise. We won’t tell you approval is guaranteed or that a lender won’t check your credit, and we say clearly that rates and terms vary.
How we keep guides up to date
Loan rules, rates and products change. Every guide shows an “Updated” date near the top. We change that date when we review or meaningfully revise the page, not for small fixes like a typo. When a law, rule or official figure changes, we update the affected pages. Some of our guides date back to 2016, and we revise older pages as we review them.
Consumer protection comes first
Our guides are written from the borrower’s side. Along with how each loan works, we cover who it suits and who should avoid it, safer alternatives, and the warning signs of a bad deal or a scam. Our loan guides and articles include a “Red flag” box with specific warning signs for that type of loan.
Independence from advertisers
National Loans USA makes money from paid directory listings and from a lead network that runs our loan request form. Our advertiser disclosure explains both. That money doesn’t buy influence over our guides:
- Advertisers and lenders don’t write, review or approve our guides.
- No one can pay to be recommended or praised in a guide.
- Directory listings are submitted by the businesses themselves and are separate from our editorial content. A listing is not an endorsement.
- When a page links to our loan request form, it also says that we’re not a lender, that lenders set rates, and that sending a request doesn’t guarantee an offer.
Corrections
If you think something on our site is wrong or out of date, email info@nationalloans.com with “Correction” in the subject line. Tell us the page address and what you think is wrong, with a source if you have one. You can also use our contact page. We review every correction request. If we find an error, we fix the page and update its date.
Related pages
Learn more about National Loans USA, how we handle your data in our privacy policy, and the rules for using this site in our terms of use.
