The OppLoans Editorial Policy

Chances are money isn’t your favorite subject. And with stats like these, it’s easy to see why.

  • 78% of Americans workers live paycheck to paycheck.
  • 80% of Americans carry debt.
  • 60% of American households experienced a financial shock (a car repair, a medical emergency, a reduction in pay or hours at work, etc.) in the past year that caused financial instability and increased debt.
  • And on top of all that, nearly two thirds of Americans can’t pass a basic financial literacy test.

If these numbers (or the balance in your checking account) makes you nervous, then you would probably benefit from authoritative, easy-to-understand financial information and how-to’s that can help you navigate your financial life. Right?

We get it.

That’s why the OppLoans editorial staff works diligently to provide you with accurate, accessible and informative content to help you make the right financial decisions for you and your family.

In order to do that, our writing staff adheres to a strict editorial policy that values quality and accuracy above all else. You won’t find spammy or salesy “articles” or links to sites trying to loop you into scams or schemes (that would be a conflict of interest–and we’re not interested in that!).

We’ve staffed our editorial board and content team with professional journalists, researchers and copywriters with accreditations like PhDs and Masters Degrees, and deep writing experience both inside and outside of personal finance.

Additionally, we always seek to supplement our research, content and perspectives with those of respected experts from the fields of personal finance, credit, lending and more.

All editorial decisions rest with our board or editor-in-chief.

Below, you’ll find our editorial process and policies on original content and original research. You can also check out our staff writer profiles. And finally, if you have any questions or comments, please reach out to us at Editors@OppLoans.com.

Thank you for reading! We hope you find it helpful.

–Kelly Zimmerman
MS Northwestern
Editor-in-Chief

Process

Your money is important. You deserve important intellectual content and published articles  that you can trust have been vetted through a rigorous peer review process.

We produce original work in the form of blog posts, ebooks, infographics and original research reports.

Very frequently, we cite personal finance subject matter experts, in addition to our staff members. In such cases, we seek to use the highest quality experts. We don’t participate in any affiliate relationships with our contributors. This decision by our editorial board supports our mission to provide high-quality, usable information, not try to sell you something.

Many of our posts are authored or edited collaboratively. Unless a post is authored by the editorial board, we will identify the corresponding author or coauthors of the final version of a post.

Occasionally, we will choose to update a post and bump it the top of our blog. We’ll note when a piece is refreshed.

Original Research

Frequently, OppLoans publishes original research and original articles to present insightful and illuminating picture of personal finance in America today.

When we produce original data, we follow a rigorous process involving the full editorial board and peer reviewers to evaluate the data, the methodology, interpretation of the data, analysis, the reference list and final design of the work.

We always provide detail on our sources and methodology.

Letters to the Editor

Want to speak with us? Ask a question? Comment on an article? Great! We want to hear from you. Reach out to us at editors@OppLoans.com.

About Us  

OppLoans is ranked an Inc. 500 company for four straight years, as well as the fourth fastest-growing Chicagoland company by Crain’s Business Chicago. OppLoans maintains an A+ rating from the BBB. For more information, please visit OppLoans.com.

The information contained herein is provided for free and is to be used for educational and informational purposes only. We are not a credit repair organization as defined under federal or state law and we do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit. Articles provided in connection with this blog are general in nature, provided for informational purposes only and are not a substitute for individualized professional advice. We make no representation that we will improve or attempt to improve your credit record, history, or rating through the use of the resources provided through the OppLoans blog.