Who writes this

Hot Credit Loans Research Team is an organisational byline. There is no named individual adviser behind it, and we will not invent one to make the site look personal.

Sourcing rules

• Every quoted rate carries its source and its period.
• Every computed figure shows the formula, so a reader can re-run it.
• Anything that differs by lender or state is labelled variable, not given as a single value.
• No personal anecdotes, no invented customers, no testimonials.

Corrections

If a figure on this site contradicts the primary source, the primary source wins and the page is corrected. The publishing date is the date of the current text; we do not stamp pages fresh without a change.

Corrections and questions go to editor@hotcreditloans.com.