Editorial Policy
How PhilaLoan creates, reviews and updates YMYL financial content.
Editorial objective
Each page should answer a defined consumer task before asking the user to continue. The editorial brief identifies the decision, important variables, failure path, alternatives, source requirements and the interactive or data element that adds value beyond generic explanation.
Writing and review workflow
Drafting begins from the approved intent and evidence set. Editing removes unsupported promises, duplicated filler and internal production language. Fact checking verifies material claims. Financial review tests cost, repayment and alternative logic. The page version records the material review date.
Programmatic pages
Shared masters are allowed where the underlying explanation is genuinely the same. Location, ZIP, amount and score pages earn their usefulness from real variables, entity relationships, calculations, local records and distinct outputs—not from synonym replacement.
Accountability in practice
This information is tied to the operating and editorial process described on the site. Named roles, commercial relationships, review methods and security statements should match the current production configuration rather than a generic trust template.
When this page changes
Update the page when the responsible team, workflow, methodology, commercial relationship or supporting evidence changes materially. Keep the effective date and the reason for important corrections visible where they affect consumers.
Who wrote and reviewed this page
The primary author is shown separately from the editor, fact-checker and financial reviewer so each responsibility is explicit.
Lorraine RoberteLead Writer — Loans & Consumer FinanceIntent, clarity, disclosures and editorial consistencyFact-checked by
Timothy Moore, CFEI®Fact-Checker & Financial Education ReviewFacts, dates, source fit and factual consistencyAffordability reviewed by
Laura Gariepy, MBAConsumer Finance ReviewerRates, costs, repayment examples and affordability contextDecision details that can change the answer
Open only the topics that apply to your situation. Each module focuses on a different cost, timing, income, repayment, eligibility or provider question.
Related decisionEditorial PolicyExplore
Understand how PhilaLoan selects page topics, separates evidence from commercial influence, uses AI-assisted drafting, and prevents low-value scaled content.
Each page should answer a defined consumer task before asking the user to continue. The editorial brief identifies the decision, important variables, failure path, alternatives, source requirements and the interactive or data element that adds value beyond generic explanation.
Drafting begins from the approved intent and evidence set. Editing removes unsupported promises, duplicated filler and internal production language. Fact checking verifies material claims. Financial review tests cost, repayment and alternative logic. The page version records the material review date.
Related decisionFact-Checking PolicyExplore
Understand how PhilaLoan verifies material claims at the claim level, including source, scope, date, confidence, and expiry.
Decision-critical claims receive priority: legal/product status, provider role, public registration or license data, price/fee statements, credit-check stage, funding condition, rankings and claims that a local point offers a product.
The reviewer records the claim, source, scope and checked date. A provider page may support a product description while a state regulator supports an entity or legal fact; one source should not be stretched to support a different claim.