Editorial Policy and Review Method

Last updated: September 30, 2026

Editorial Policy and Review Method

This page explains how Loan 15 Minutes decides what to publish, where our information comes from, how we review loan options, and how we handle updates and corrections. Because loans affect people's money, we hold our content to a stricter standard than ordinary web articles.

Our Purpose

We publish information that helps people in the Philippines understand short-term borrowing. Our goal is clarity, not persuasion. We want a reader to finish an article knowing what a product is, what it costs, who regulates it, and what to check before deciding. We do not aim to push readers toward any lender.

Independence and Disclosure

Editorial decisions are made independently of any provider we describe.

Advertising and affiliate relationships. Some buttons and links on this website, including links that lead to partner lenders and loan comparison pages, are affiliate or referral links. If you apply or sign up through them, Loan 15 Minutes may earn a commission. Compensation never determines:

• which options we cover,
• the order in which we list them,
• what we say about their costs, risks or drawbacks, or
• whether we publish a warning.

We do not accept payment to remove or soften a fact. We do not sell placement in a way that could be mistaken for editorial judgment. A list on our site is not a ranking of quality unless we say so.

Not a lender. We do not lend, broker or approve loans. See our disclaimer.

Who Writes and Reviews Our Content

Content is prepared by the Loan 15 Minutes editorial team and published under the byline of Andrea Villareal. The team may use software tools, including AI-assisted tools, during research and drafting. Every page is checked against the sources described below before publication, and responsibility for the published text rests with the editorial team.

Where Our Information Comes From

We rank sources by reliability.

First tier: official and primary sources.

• Laws and regulations, for example the Truth in Lending Act, the Credit Information System Act and the Philippine Identification System Act.
• Circulars, advisories and public records of regulators such as the Securities and Exchange Commission (SEC), the Bangko Sentral ng Pilipinas (BSP), the National Privacy Commission (NPC) and the Department of Information and Communications Technology (DICT).
• The provider's own website, app store listing, help center, terms and disclosure documents.

Second tier: reputable secondary sources.

• Established news organizations, especially for recent regulatory changes.
• Legal summaries by law firms and academic or government publications.

Not used as proof.

• Anonymous forum posts and social media comments.
• Star ratings or testimonials from unverified users.
• Provider marketing claims, unless we report them clearly as claims.
• Websites that only repeat other sites without citing a source.

When a regulator's website cannot be opened or a detail rests on a secondary source, we treat the detail with more caution and, where it matters, we tell the reader to confirm it with the regulator.

How We Review a Loan Option

For each option we describe, we ask the same set of questions.

1. What is it? A cash loan, a credit line, a bank product or a comparison service. Not every provider on the internet is a lender, and we say which is which.
2. Who is behind it? We look for the legal name of the company, not only the brand name.
3. How is it regulated? For lending and financing companies we look for SEC registration and a Certificate of Authority. For banks and e-wallet providers we look for BSP supervision. We explain how readers can check for themselves.
4. What does it cost? We report interest, service or processing fees, taxes, penalties and any limits the provider publishes. We note when the provider does not state a period for an advertised rate.
5. What does it require? Age, citizenship or residency, identification, account type and any income documents.
6. What does it say about timing? We separate approval time from payout time, and we report what the provider itself says.
7. How does it treat data? We note permissions that seem unnecessary for a loan.
8. What are the drawbacks? Every option gets a balanced description that includes limits and risks.

A provider that meets these checks is described as authorized, not as "safe" or "best." We do not label any lender "100% legit."

How We Treat Speed Claims

Speed is the most common hook in loan advertising, so we apply extra care.

• We distinguish approval from disbursement in every case.
• We never state that a loan will arrive within a fixed time unless the provider says so in its own terms, and even then we present it as the provider's statement.
• We use cautious wording such as "as fast as" or "depending on the lender's assessment."
• We do not publish an "average payout time," because it would not be reliable.

What We Do Not Publish

To reduce the risk of harm, we avoid certain claims and formats altogether:

• Guarantees of approval, amounts or payout times.
• Claims that a loan needs no checks at all.
• Advice to borrow in order to repay another loan.
• Advice to hide information from a lender or to use false documents.
• Instructions for avoiding lawful repayment.
• Invented ratings, review scores or user testimonials.
• Lists of lenders labeled "legit" without an explanation of how to verify them.

Fact-Checking Process

Before publication, each page goes through these steps:

1. Research from the source tiers above.
2. Drafting in plain English, with hypothetical examples clearly labeled.
3. Verification of numbers, names, dates and legal references against the source.
4. Consistency check against our other pages, so the site does not contradict itself.
5. Risk review of wording that could mislead, such as promises or unsupported comparisons.
6. Publication with a last-updated date and a source list where relevant.

Updates and Review Schedule

Loan terms, regulations and contact channels change. We review our pages periodically and update them when we find a change. Pages that depend on fees, limits or regulatory ceilings receive the closest attention. The "last updated" date on a page reflects the date it was last reviewed or revised, and we aim to keep it accurate.

If you notice that a page seems out of date, please tell us. Until we have updated it, treat the provider's own current terms as the authority.

Corrections Policy

We correct mistakes openly.

• Report an error by emailing admin@loan15minutes.top. Please include the page address, the statement you believe is wrong and, if possible, a source.
• We review each report and check it against official sources.
• If the report is correct, we fix the page and update its date. For a significant error, we add a short note explaining what changed.
• If we disagree, we keep the text as it is and, if it helps readers, we clarify the wording.
• We do not remove accurate information because a provider or third party asks us to. We may update it when the provider's terms genuinely change.

Handling Sensitive Topics

Some subjects, such as harassment by collectors, scams and unpaid debt, affect people who may be distressed. We write these pages with care. We avoid promising outcomes, we do not encourage readers to ignore valid debts, and we point to official channels for complaints. If a reader may be in danger, we urge them to contact the police or a trusted person.

Comments From Providers and Readers

Providers are welcome to send corrections to factual errors, ideally with a link to an official page. We will review them under the same process as any other report. We do not change our descriptions in exchange for payment, and we do not allow providers to approve our text before publication.

Contact

Write to admin@loan15minutes.top with questions about this policy. You may also read our about page and our disclaimer.