Last updated: July 15, 2026
This policy explains how NexaLoan selects, researches, reviews, publishes, updates, and removes content. It applies to personal-loan guides, lender reviews, comparisons, calculators, debt-payoff articles, and consumer-safety pages published on loan12.com.
Editorial Responsibility
Kevin Maro, the site owner and publisher, is accountable for published content, corrections, and advertising standards. NexaLoan currently operates as an independent publication, not as a newsroom with a large editorial staff. Pages must not imply review by a team, licensed adviser, attorney, or financial professional unless that review actually occurred and the reviewer is identified.
What We Publish
- Explanations of personal-loan costs, qualification factors, fees, credit checks, and repayment risk.
- Debt-payoff comparisons that explain tradeoffs among loans, balance transfers, credit counseling, and non-loan alternatives.
- Lender reviews and comparisons based on current public disclosures.
- Calculators and checklists that show their assumptions and limitations.
- Consumer-safety content based on regulator and law-enforcement guidance.
We do not publish approval guarantees, fabricated borrower stories, invented test results, undisclosed paid endorsements, or many near-identical pages created only by changing a loan amount, credit score, state, emergency, or year.
Source Standards
Primary sources are preferred. Depending on the topic, those sources may include the Consumer Financial Protection Bureau, Federal Trade Commission, National Credit Union Administration, Federal Reserve, FDIC, IRS, state regulators, court or statutory material, official lender disclosures, rate pages, fee schedules, and product terms.
Secondary sources may be used for context, but they should not replace an available primary source for a material number, eligibility rule, fee, legal requirement, or safety claim. Time-sensitive figures should include a checked or reviewed date. A link alone is not enough; the article must accurately represent what the source says.
Publication Review Process
- Define the reader question. Each page should solve one distinct problem and state who the information may or may not fit.
- Collect current sources. Material claims, product terms, fees, and regulatory statements are checked against primary sources where available.
- Build the analysis. The draft should explain costs, tradeoffs, risks, alternatives, and uncertainty instead of only summarizing promotional language.
- Check claims and calculations. Links, dates, examples, tables, calculator assumptions, and qualification language are reviewed before publication.
- Check originality. Repeated boilerplate, overlapping search intent, and unsupported superlatives are removed. A page that cannot add distinct value is consolidated or not published.
- Assign accountability. The page shows a publisher or author, a reviewed date, and a route for corrections.
Use of AI-Assisted Tools
AI tools may assist with outlining, editing, data organization, or identifying questions that require research. They are not treated as sources and do not replace verification. The publisher remains responsible for every claim that appears on the site. Generated wording must be checked for invented facts, false experience, stale product terms, duplicated passages, and unsupported conclusions before publication.
Lender Reviews and Comparisons
A lender review should distinguish verified public facts from editorial analysis. It should identify the date terms were checked and, when relevant, compare APR range, origination fee, loan amount, term, state availability, credit-check process, funding claims, late fees, prepayment policy, membership requirements, and important exclusions. We do not claim to have applied for or personally tested a lender unless that occurred and the method is documented.
Rankings must follow the published Review Methodology. If the available data does not support a defensible ranking, the page should present an unranked comparison instead.
Updates, Corrections, and Retired Pages
Changing a year or modified date without materially reviewing the page is not an update. A material review checks the facts, sources, links, product terms, calculations, and continued usefulness of the page. Errors are handled under the Corrections Policy.
Outdated, duplicated, unrelated, or unverifiable pages may be consolidated, redirected to a genuinely equivalent resource, or removed. We do not redirect unrelated retired pages to the homepage merely to preserve a URL.
Editorial Independence and Revenue
Display advertising helps support the site, but advertisers do not approve articles or determine conclusions. Any future affiliate or sponsored relationship must be disclosed near the relevant content. Compensation does not justify changing factual standards, hiding a material drawback, or guaranteeing approval. See the Advertising Disclosure.
Report a Problem
To report an error, outdated term, broken source, or undisclosed conflict, email nexaloan@loan12.com or use the Contact page. Include the URL, the specific statement at issue, and a supporting source when possible.