About the Editorial Team
The loan20yearold Editorial Team is the group behind the research, writing, and fact-checking on this site.
Rather than publishing under a single byline, we work as a small collective focused specifically on Philippine consumer lending, credit-building, and personal finance topics for young adults — an approach that lets us pool research across regulatory filings, app disclosures, and government resources rather than relying on any one person's individual expertise.
Our Focus Area
Our work centers on one specific slice of personal finance: loan apps, credit access, and financial decision-making for Filipinos roughly in their late teens through mid-20s.
This includes reviewing SEC-registered lending and financing companies, tracking regulatory changes from bodies like the Securities and Exchange Commission, the Credit Information Corporation, and the National Privacy Commission, and translating that regulatory detail into practical guidance a first-time borrower can actually use.
We chose this narrow focus deliberately, since we think a site that covers loan apps, credit scores, and young-adult financial habits in depth is more useful than a general finance site that covers everything a little.
How We Research and Write
Every article on this site starts with a review of primary sources where they exist — official SEC lists of registered lending and financing companies, published SEC memorandum circulars on interest rate caps and debt collection practices, National Privacy Commission guidance on data processing, and the Credit Information Corporation's public information on how credit reporting works in the Philippines.
Where an app's specific rates, fees, or terms are involved, we cross-reference the company's own official website or in-app disclosures against independent sources where available, since marketing language and actual disclosed terms don't always match perfectly.
When information can't be verified against a credible source — for instance, if a company has little to no public presence or verifiable registration — we either exclude it from our recommendations or state clearly that we couldn't confirm the relevant details, rather than presenting an estimate as a fact.
Our Standards for Accuracy
Financial regulations and loan terms in the Philippines change, sometimes with limited public notice — an SEC certificate can be revoked, an app's rates can shift, or a new circular can update interest rate caps.
Because of this, we treat every published article as something that may need revisiting, not a one-time publish-and-forget piece — when we become aware of outdated information on a page, whether through our own monitoring or through reader feedback, we prioritize correcting it.
We also try to be transparent about uncertainty rather than smoothing over it — if a regulatory detail is genuinely ambiguous, or if a company's public information is inconsistent, we say so rather than presenting a confident answer we can't actually back up.
What We Don't Do
We don't accept payment from lenders in exchange for favorable coverage, and inclusion in our comparisons or "top" lists is based on publicly verifiable registration status and disclosed terms, not on advertising arrangements.
We're not licensed financial advisors, and nothing we publish is personalized financial advice — our goal is to help you understand your options and ask the right questions, not to tell you what decision to make with your specific finances.
For the full detail on how affiliate relationships and recommendations work on this site, see our About Us page and our Editorial Policy.
Corrections and Feedback
If you notice something on this site that appears outdated, unclear, or incorrect — whether it's a loan app's rates, a regulatory detail, or anything else — we'd genuinely like to hear about it.
You can reach the editorial team directly through our Contact page, and we aim to review and address credible correction requests as quickly as we reasonably can.
Why a Team Approach
Personal finance content, especially content touching on lending, interest rates, and consumer protection law, benefits from more than one set of eyes.
A single writer researching quickly can miss a nuance — a recently updated SEC circular, a lender's fine print that contradicts its marketing copy, or a regulatory distinction between direct lenders and comparison platforms that isn't obvious at first glance.
By working as a team rather than under a single named author, we're able to cross-check claims against each other's research before anything gets published, which we believe produces more reliable guidance than any one person working alone, however well-intentioned.
What Qualifies Someone to Write for This Site
We don't require a finance degree or a specific credential to contribute research or drafts to this site, but we do require a consistent process: every factual claim about a lender, a regulation, or a rate needs to trace back to a source we can point to, not a general impression or something "everyone knows."
This means our contributors spend a meaningful share of their time reading primary documents — SEC circulars, official company disclosures, government agency guidance — rather than simply rewriting what other finance blogs have already said, which is a common shortcut in this space that we've deliberately tried to avoid.
How This Differs From a Single-Author Finance Blog
Many personal finance sites are built around one recognizable voice or personal story, which works well for some kinds of content but isn't necessarily the best fit for something like loan app comparisons, where the value is in verified, current facts rather than personal narrative.
We've chosen the editorial team model because we think it better serves what a first-time borrower actually needs: a reliable, continuously checked reference, not a single person's opinion or experience with one or two loan apps they happened to try themselves.