Editorial policy
A car loan is a contract you live with for years, so we hold our pages to a simple rule: every rule and figure must trace back to a source you can open yourself.
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Independence
Lenditia earns money when visitors choose to send a financing request to auto lenders, car dealers and loan brokers (how we make money). Those partners do not write, review, approve or sponsor our articles, and they do not see a page before it is published. We do not rank lenders, name favorites or accept payment to mention a company. When a page explains a risk, such as yo-yo financing, negative equity or costly add-ons, it explains it the same way whether or not it affects a partner.
Who writes the pages
Pages are written and maintained by the Lenditia editorial team. We sign pages with the team name rather than inventing personal bylines or credentials. The team is responsible for every page as a whole, and you can reach it through the contact page.
How we source
- Primary sources first. Federal agencies (the CFPB, the FTC, the Federal Reserve, the Department of Justice for servicemember protections), state statutes, state regulators and state revenue departments.
- Market data, clearly labeled. Average rates, loan sizes and terms come from commercial market data, chiefly Experian’s quarterly State of the Automotive Finance Market reports, and from the G.19 consumer credit statistics the Federal Reserve publishes. We name commercial sources as market data in the text.
- No anonymous claims. We do not cite unnamed studies, invent statistics or quote people we cannot identify. If a figure cannot be confirmed in a source, we describe the point without the number.
Each page ends with a Sources box: the documents behind the page and the day we last checked them.
How a page is checked
Before a page is published, its rules and figures are compared line by line with the sources it lists. Worked examples are recalculated with the formulas on our methodology page, so the payment in an article matches what our calculators show for the same numbers. State pages are checked against the statute and the regulator for that state; where a rule is unclear or contested, the page says so instead of picking a side.
We write in plain language. We avoid promises, superlatives and anything that could read as an offer of credit, and we explain terms the first time they appear or link them to the glossary.
Keeping pages current
- Every page shows the date it was last updated.
- State pages are reviewed when a law or regulation changes and at least once a year, because caps such as documentation fees and rate ceilings can be adjusted on a schedule.
- Market figures are refreshed when a new quarter of data is published.
- Significant changes are listed on the updates page, with the date and what changed.
Corrections
If you spot an error, tell us through the contact page: name the page and, if you have one, a document with the right figure or rule. We compare the report with that source. When it is right, we fix the page, change its updated date, and record significant corrections on the updates page. We do not quietly change a figure that readers may have relied on without noting it.
What we do not do
We do not give advice about your own loan or review contracts, and we do not answer questions on behalf of any lender or dealer. Our disclaimer covers the limits of general information.