Panda Loans Editorial Policy & Standards

Authorship and bylines

Every editorial article on pandaloanapp.com carries a named author from the editorial team. We do not publish anonymous editorial content. Authors are assigned articles based on subject-matter background.

Reviewer process

Every guide covering rates, fees, eligibility, application steps, or credit-building strategies is reviewed before publication by our editorial reviewer (Accredited Financial Counselor through AFCPE). The reviewer reads the full article, checks numerical accuracy, flags any guidance inconsistent with consumer-protection best practices, and signs off in the editorial workflow before publication.

Sourcing standards

• APR ranges and lender-product disclosures are sourced from current lender Truth in Lending disclosures, not third-party aggregators.
• Regulatory information is sourced from federal CFPB, FDIC, FTC, and OCC publications, plus relevant state banking-department websites.
• FICO scoring claims are sourced from Fair Isaac Corporation's published methodology documentation.
• Credit-bureau reporting practices are sourced from the major bureaus' publicly disclosed data-furnisher guidelines.

Numerical accuracy

Every APR figure, fee percentage, and worked example is fact-checked at the time of publication against the relevant disclosure. Articles are revisited periodically for accuracy; revision dates are noted on updated content.

Independence and conflicts of interest

Pandaloanapp.com is an independent publisher. We do not accept payment to alter editorial coverage, ratings, or rankings. Some pages may contain affiliate links, which are disclosed on our disclosures page. None of those relationships influence which products we cover or how we evaluate them.

Corrections policy

Errors of fact are corrected promptly. When a substantive correction is made, a note is added to the affected article describing the correction and its date. Minor copyedits are made silently. Readers can flag potential errors via our contact page.

Updates and freshness

Content covering APR ranges, regulatory rules, or product features is reviewed at minimum every 12 months and updated if material changes occur. Updated articles carry a revision date in addition to the original publication date.

Reader feedback and corrections

If you believe any panda loans editorial content contains a factual error, please email [email protected] with the URL and the specific claim in question. Substantive corrections are typically published within 5 business days of verification.

Use of AI tools

Editorial drafts may be assisted by AI tools for research summarization and copyedit suggestions, but every published article passes through human authorship and human editorial review review before publication. We do not publish AI-generated content without editorial authorship and review.

Conflict-of-interest policy in detail

Editorial independence is meaningful only when conflicts of interest are managed transparently. Our policy addresses three categories:

Affiliate relationships

• Affiliate relationships do not influence which products are covered.
• Affiliate-linked products are not given preferential placement, ratings, or recommendations.
• Editorial team members are compensated by salary, not by affiliate commissions.
• Comparison content evaluates products on consumer-relevant criteria regardless of affiliate status.

Direct business relationships

The publisher of pandaloanapp.com does not have ownership stakes in, or directorial roles at, any covered lender. If this changes in the future, the relationship will be disclosed prominently on this page.

Personal financial relationships

Editorial team members are required to disclose any direct financial relationship with covered lenders — including being a customer, holding stock, or having received past compensation. Disclosed relationships do not automatically disqualify an author, but require explicit disclosure on the relevant article.

Detailed corrections process

1. Verification. Within 5 business days of receiving the report, an editorial team member verifies the claimed error against primary sources.
2. Categorization. Errors are classified as substantive (affecting the reader's understanding or decision-making), factual minor (wrong but not consequential), or copyedit (typo, broken link, formatting).
3. Correction. Substantive corrections are made with a visible correction note appended to the article, dated, and describing what was changed and why.
4. Notification. If the error was reported by an external party, that party is notified of the correction.
5. Process review. Substantive corrections trigger a process review to identify whether upstream verification was insufficient.

Source-citation standards

Required primary sources

• Federal regulatory citations: link to the specific section on a government website (cfpb.gov, fdic.gov, treasury.gov)
• State APR caps: link to the state banking-department or attorney-general source
• FICO scoring claims: link to Fair Isaac Corporation's published methodology
• Credit-bureau practices: cite the data-furnisher guideline or annual disclosure
• Specific lender APR ranges: cite the lender's current Truth in Lending disclosure

Sources we don't use as primary

• Other personal-finance content sites (would be circular)
• Aggregator sites (NerdWallet, Bankrate) for primary numerical data — though they may be cited for context
• Press releases as standalone evidence of product features
• Social media posts as evidence of business practices

AI tool disclosure

The pandaloanapp.com editorial workflow may use AI tools in three specific ways: research summarization, outline generation, and copyedit suggestions. AI tools are NOT used for drafting final published content, generating worked examples, or any aspect of the editorial review reviewer pass.