Editorial standards
Our editorial policy
How Kreditify decides what to publish, where our numbers come from, and what advertisers can and cannot influence.
What we publish
Kreditify publishes loan comparisons, lender reviews, calculators, and explainers for US borrowers. Our goal on every page is to let you see what borrowing actually costs before you apply, side by side, without filling in a form first.
We are a comparison and lead-generation platform. We are not a lender, we do not make credit decisions, and nothing we publish is personalised financial advice.
Where our numbers come from
APR ranges, fees, loan amounts, and term lengths come from the lender's own published disclosures and rate pages. State-level rules and caps come from state regulators and statutes. Where a figure is an estimate or an illustrative example, we label it as one.
Rates change. Any rate shown on Kreditify is indicative and is not an offer of credit — your actual APR depends on the lender's underwriting.
How pages are reviewed
Every article has a named author. Team-bylined research is reviewed by the editor-in-chief before it goes live. Comparison data is re-checked on a rolling schedule, and pages that carry rate or fee figures are prioritised in that cycle.
When the substance of a page changes, we update the page and its update date rather than quietly rewriting history.
Independence from advertisers
Commercial partnerships never buy a higher score, a better position in an editorial ranking, or the removal of a drawback from a review. Advertiser relationships are disclosed, and our scoring inputs are published on the how-we-rate page.
If a partner's product is worse than a non-partner's on the criteria we score, the page says so.
Corrections
If something on Kreditify is wrong, tell us at editorial@kreditify.com and we will check it against the source. Factual errors are corrected in place, and material corrections are noted on the page.
AI and human oversight
We use software to help draft and structure routine explainers. No page is published without human review of its facts, figures, and disclosures, and a named person is accountable for every page.