Editorial Policy & Standards

The Payday Loan Times publishes news and explanatory content about the payday-loan and cash-advance industry. This page describes the standards behind that work.

Independence

We are an independent news archive. We are not a lender and do not broker, arrange, or recommend loans. Our explanatory pages aim to be neutral and balanced — describing how products work, what they cost, the risks involved, and the alternatives — rather than to promote any product or company.

Sourcing & accuracy

• Reporting draws on primary sources where possible — legislation, regulator and court documents, official statements, and named officials.
• Figures such as fees and APRs are illustrative unless attributed to a specific source; rules vary by state and over time.
• Nothing on this site is financial, legal, or tax advice. For decisions about borrowing, consult a qualified, licensed professional.

Corrections

If you spot an error, email [email protected] with the page URL and the detail in question. We correct confirmed errors and note material corrections.

Archival status

The articles in this archive were originally published between 2005 and 2009 and are preserved as a historical record. Laws, interest rates, and companies referenced may have changed since publication; each article carries a notice to that effect.

Authorship

Articles are attributed to the reporters who wrote them. See our writers for each contributor's beat and a sample of their work.