Our Purpose
This page explains how content on Loan 20 Year Old is researched, written, reviewed, and maintained, so you have a clear picture of the process behind what you're reading, not just the finished article.
We think this matters more on a finance site than on most other kinds of content, since the information here can directly affect a real financial decision.
How We Select Topics
We focus specifically on subjects relevant to young, first-time borrowers in the Philippines — loan app reviews, eligibility requirements, credit-building, budgeting for early independence, and the regulatory protections borrowers are entitled to.
We prioritize topics where we believe existing information online is either too general, outdated, or written for an audience with more financial history than a typical 20-year-old borrower has yet.
How We Research
Wherever possible, we start from primary sources rather than secondary summaries — this includes official SEC lists of registered lending and financing companies, published SEC memorandum circulars, National Privacy Commission guidance, and information from the Credit Information Corporation.
For details specific to an individual loan app — like its interest rates, fees, or loan amounts — we check the company's own official website or in-app disclosures, and cross-reference against independent, credible sources where they exist.
If a fact can't be confirmed through a source we consider credible, we either leave it out or explicitly note that it couldn't be verified, rather than presenting an assumption as confirmed information.
How We Handle SEC Registration and Legitimacy
Given how directly this affects borrower safety, we treat a lending or financing app's SEC registration status as essential information, not an optional detail.
Before including any app in a comparison or recommendation, we check its status against the SEC's published lists, including checking whether it appears on the SEC's list of revoked or suspended companies.
If we discover during research that an app lacks verifiable SEC registration, or that its registration has been revoked or suspended, we exclude it from recommendations rather than including it with a caveat, since we believe unverified or revoked lenders shouldn't be presented as a viable option at all.
We also distinguish clearly between direct lenders (companies that hold a Certificate of Authority and issue loans themselves) and loan comparison or matching platforms (which connect users to third-party lenders but don't lend directly), since conflating the two could mislead a reader about what kind of service they're actually using.
Corrections and Updates
Financial regulations, interest rate caps, and individual lending companies' terms change over time, sometimes without significant public announcement.
Because of this, we treat published articles as living documents rather than fixed, one-time pieces — when we become aware that information has become outdated or inaccurate, whether through our own periodic review or through reader feedback, we prioritize updating the relevant page.
We don't silently rewrite history on significant factual corrections — where a correction meaningfully changes the substance of an article (for example, a lender's SEC status changing), we aim to reflect that clearly in the updated content.
How We Handle Affiliate Relationships
Some links on this site to loan apps or financial products may be affiliate links, meaning we may earn a commission if you apply through them.
This potential commission does not affect the price, rates, or terms offered to you, and it does not determine which apps we choose to review, recommend, or rank — our comparisons are based on publicly available registration status, disclosed terms, and general accessibility for young borrowers, not on which partnerships exist.
We do not accept payment in exchange for positive coverage, and we won't recommend a lender we can't verify is legitimately SEC-registered, regardless of any potential commission arrangement.
Not Financial Advice
Everything published on this site is intended for general informational purposes.
We are not licensed financial advisors, and nothing here should be treated as personalized financial, legal, or tax advice for your specific situation — our goal is to help you understand your options and the regulatory landscape well enough to make an informed decision, ideally alongside guidance from a licensed professional where the stakes are significant.
Questions About Our Process
If you have questions about how a specific piece of content was researched, or if you believe something we've published is inaccurate, you're welcome to reach out through our Contact page — we treat these inquiries seriously and aim to respond and correct genuine errors promptly.
Reviewing and Updating Older Content
Beyond reader-reported corrections, we periodically revisit older articles on this site to check whether cited regulations, interest rate caps, or lender details are still current, since Philippine lending rules and individual company terms can shift over time without prominent announcements.
When we revisit a page and find something has changed, we prioritize the update based on how directly it affects a reader's financial decision — a change to an interest rate cap or a lender's SEC status gets addressed faster than a minor stylistic update.
How This Policy Applies Across the Site
This Editorial Policy applies to every article, review, and guide published on Loan 20 Year Old, regardless of which specific topic or hub it falls under — the same standards for sourcing, SEC verification, and correction handling apply whether we're writing about a specific loan app or a broader topic like budgeting or credit building.