Editorial Policy

Published 01/11/2026

This Editorial Policy explains how the Pesoloan Editorial Team researches, writes, reviews and corrects the articles on Pesoloan (pesoloan.app). We publish it so that readers can judge for themselves whether our information is reliable.

Our purpose

Our purpose is to help people in the Philippines make careful decisions about online borrowing. We explain how lending apps work, we check public records and we separate documented facts from claims. We are an independent information website, not a lender, and we do not approve or process loans.

Independence

• No lender writes or edits our articles. Lenders do not review our text before publication and cannot pay to change it.
• Compensation does not change our conclusions. Some third-party links on this website may be tracked, and we may receive compensation from some third parties. That does not influence what we write about a lender or how we describe its strengths and weaknesses. See our affiliate disclosure.
• We do not hide public information. If a lender has been the subject of a public regulator action or of public complaints that we can document, we say so and link to the source. We do not remove or soften it because of a commercial relationship.
• We do not state what we cannot support. If there is no public record that a lender did something, we do not say that it did.

How we research

1. Primary sources first. We start with the Securities and Exchange Commission (SEC) lists of financing companies and recorded online lending platforms, SEC circulars and advisories, National Privacy Commission guidance, Credit Information Corporation pages and the lender's own store listings, website and published terms.
2. Records, then reports. We rank evidence in this order: regulator and court records, official documents from the company, reputable news reports and, last, individual user reports on forums and social media.
3. Cross-checking. We match the app name, the developer, the company name and the SEC registration number across sources. We check the date shown on each list.
4. Lookalike names. We check whether a warning or a review refers to the right company, because several lending apps use similar names.
5. Testing claims. Where a lender states a rate, a term or a contact detail in different places, we compare them and tell the reader if they differ.

How we label information

• Documented means we can point to a public record, such as an SEC list or a published circular.
• Stated by the company means the lender published it, for example on a store listing, and we have not independently verified it.
• Reported means individual borrowers say so publicly. We cannot confirm it, and we say so.
• Not found means we looked in the sources named and did not find it. We say where we looked and that this is not proof either way.

How we write about complaints and sensitive topics

Topics such as harassment, overdue payments, privacy and complaints affect real people and real companies. For these:

• we phrase titles as questions where the topic is sensitive,
• we describe what the rules prohibit, what borrowers have publicly reported, what the company has published and what we did not find,
• we link to the public records we rely on, such as freedom-of-information requests, news reports and regulator statements,
• we never present an allegation as a finding, and we never present the lack of a finding as a clean record,
• we explain practical steps, such as how to keep evidence and where to report.

Ranking and comparison

Our home page lists lenders and their loan amounts so readers can compare. The order does not mean that a lender is better for every borrower. We describe features in our own words, we note ages and amounts as published by the lender and we tell readers to check the lender's SEC record and disclosure statement themselves.

Writing standards

• Plain English. We write for the general reader in the Philippines, in clear English, and we explain terms.
• Answers first. Each article starts with a short answer to the question in its title.
• Numbers and dates. We show our working for calculations, and we use the current year where a year is relevant. We keep historical dates fixed when they refer to a past event.
• Sources listed. Articles end with the main sources we checked.
• No pressure. We do not use fear or urgency to push readers toward any action.

Review and updates

Articles are reviewed before publication to check facts, sources, links and tone. We review articles again when a rule changes, when a regulator list is updated, when a lender changes its published terms or when a reader points out a problem.

Corrections

If we find or are told about a mistake, we check it against the sources, correct it and, where the error was significant, make the correction clear in the article. To request a correction, email admin@pesoloan.app with the page, the statement and a link to a public source if you have one. Companies mentioned in our articles may also write to us if they believe a statement is inaccurate. We will review it and correct what is wrong, but we will not remove accurate, documented information.

Conflicts of interest

Our writers are expected to disclose any personal or financial interest in a lender they cover and to step away from articles where that interest could affect their judgment. We do not accept gifts or payments in exchange for coverage.

What we do not do

We do not give personal financial or legal advice, we do not guarantee outcomes and we do not claim to speak for any lender. Our disclaimer and terms of use explain these limits.

Who writes our articles

Articles are published under the byline Pesoloan Editorial Team. You can read more about the team and its work on our author page, and about the website in About Us.

Questions

We welcome questions about this policy at admin@pesoloan.app or through our contact page. We review this policy regularly and will change it if our practices change.

Why this matters to you

Readers should be able to check our work, and this policy gives you the tools. When you read one of our articles, look for the short answer at the top, the labels that separate records from reports, the list of sources at the end and the way we handle names that look alike. If any of these is missing, or if something does not match the sources, tell us. Good information about borrowing helps people avoid expensive mistakes, and we hold ourselves to the standard we would want if the loan were our own.