Research Standards

Global Loan Advisor researches financial systems, borrowing rules, consumer protections and loan-related information from official government, central bank and regulatory sources. We provide independent educational explanations and link readers to original publications so they can verify information directly.

Global Loan Advisor is an independent educational research platform. We do not lend money, broker loans, guarantee financial outcomes or provide personalized financial advice. Our content is intended for general educational purposes.

How information is researched

Every factual financial statement must be supported by a source. We start from primary sources: government publications, central banks, financial regulators, legislation and regulatory notices, official statistics agencies, government financial education services, and official court, insolvency and consumer-protection resources. Secondary sources are used only to explain, and are labelled as secondary.

How an article moves from research to publication

1. Research the topic.
2. Identify the relevant primary sources.
3. Confirm each issuing organisation is official.
4. Open and review the original document.
5. Check publication and effective dates.
6. Verify that each source supports the statements it is cited for.
7. Record each reference, with its dates, in our source system.
8. Complete editorial review and, where required, review by a named financial reviewer.
9. Publish with source links and review dates.

Our publishing system will not publish an article until these research steps are recorded, at least one verified official source is linked, and any required reviewer has signed it off.

How official sources are selected and verified

Sources in our Official Financial Sources Directory are marked Verified only after an editor has confirmed that the website belongs to the official organisation and that the link works. Entering a link is never enough. Each source shows the date it was last checked. Links are checked automatically every day; a source whose link fails is moved back to Needs review.

Facts and explanation

We distinguish facts taken from official sources from our own explanations. Charts state their source, coverage, units, period, last update and method. If we calculate or summarise figures, we say so, explain how, and link to the original data. We never present invented or estimated figures as official statistics. If reliable data is not available, we say so.

How information is kept up to date

Every article shows its publication date and last reviewed date, and has a scheduled review date. Articles that depend on rates, rules or country information are reviewed more often. Editors receive reminders when reviews are due and when sources need attention. When an article is updated, the change is noted in its update history.

Corrections

Readers can report an error on any article. Corrections that change the meaning of information are listed publicly with the date and what changed.

Limitations

Laws, rates and products change, and official sources are sometimes updated without notice. We cannot guarantee that every statement is complete or current at the moment you read it. Always check the original publication linked in each article and the current terms of any lender before making a decision.

Editorial independence

No lender, broker or financial company can pay to be mentioned, ranked or recommended, and we do not use lender referral links. We have no partnership with, or endorsement from, any government body unless we state it explicitly with evidence.