Editorial Policy

Why this page exists

We publish this editorial policy so readers can understand who creates our content, how it is reviewed, how it is updated, and how we try to keep editorial decisions clear and trustworthy.

Our editorial mission

Personal Loan Finder exists to help Australians understand and compare personal loan options more clearly. That means our content should be practical, readable, honest about trade-offs and useful even for people who do not enquire through the site.

We would rather explain what a loan page leaves out than pretend the decision is simpler than it is. Content is created first for readers, not just to attract search traffic.

Who writes our content

Content on Personal Loan Finder is created and published within the Rate Challenge Group process. Where practical, pages should clearly identify who prepared or reviewed the content.

The aim is not to use generic labels that feel detached from the real operating business. A reader should be able to see that Personal Loan Finder is part of the Rate Challenge Group and that content is being handled through a real editorial process rather than anonymous filler labels.

How content is reviewed before publication

No article should be published without editorial review. Review should focus on clarity, structure, consistency, factual sense and alignment with the site’s trust and disclosure standards.

Pages that compare products or discuss more sensitive consumer-finance topics should receive a higher level of care before publication. Product-comparison claims and worked examples are exactly the kind of areas that deserve extra checking.

How we research and source information

Where appropriate, our content may draw on official government or regulator guidance, provider product pages and disclosures, public product information such as rates, fees and feature details, and our own selected-panel checks and comparison assumptions.

Where assumptions are made for examples, scenarios or comparison models, those assumptions should be explained. If a comparison has limitations, readers should be told that too.

How we handle product comparisons, assumptions and limitations

Product comparisons should try to compare like with like. That means matching amount, term or purpose where appropriate and being honest where a comparison is incomplete or based on assumptions.

We do not want comparisons to create a false impression of whole-of-market coverage or perfect precision where that does not exist. Sort order, coverage rules and limitations should be easier to find than the average reader expects on a finance site.

How often we review and update content

Money pages and core comparison pages should be reviewed more often than slower-moving trust pages. Guide pages should still be checked regularly enough that obvious changes or stale claims do not sit untouched.

Visible updated dates should appear on published pages so readers can judge freshness for themselves. Comparison tables may also use “last checked” or “rates updated” style freshness signals where they are helpful.

How we correct mistakes

If a material factual mistake is identified, we should correct it as quickly as practical. If a correction changes the meaning of the page in an important way, the updated date should reflect that change.

Readers should have a clear way to request a correction or raise a concern through the site’s Contact page.

Commercial separation and editorial independence

Commercial relationships should be disclosed clearly, but they should not be disguised as editorial judgment. Partners should not ghostwrite editorial pages as if they were independent content.

If sponsored material or paid placement is ever used, it should be labelled clearly and kept distinct from standard editorial content. The commercial model is explained on How We Make Money, and methodology is explained on How We Compare.

AI and automation

If drafting, formatting or research-assistance tools are used in the workflow, a human editor should still review and approve the published result. Automation should support the workflow, not replace judgment on sensitive product, compliance or trust issues.

Information, not personal advice

The content on this site is intended to be general information only. It is not personal financial advice or a recommendation that a particular product is right for a reader’s circumstances.

Who operates the site

Personal Loan Finder is operated by Rate Challenge and forms part of the Rate Challenge Group.

Feedback, contact and complaints

If you spot an issue, want to request a correction or want to raise a concern, use the details on the Contact page. If you want to understand how the comparison process works or how the site makes money, the trust pages should make that information easy to find.