Editorial Policy

This page describes how Repay Desk produces its coverage, what its scores mean, who is accountable for them, and how commercial support is disclosed. It is meant to be read, not skimmed.

How we work the arithmetic

Our worked examples are illustrations with stated assumptions, never quotes, offers or predictions of what a reader will be charged — and the arithmetic in them is checked. Product mechanics come from lenders' published terms and from regulator guidance, attributed. We never encourage borrowing, and where debt difficulty is the subject we point towards free, non-commercial help rather than a commercial product.

What our scores mean

Scores run 0–10 and grade cost transparency and borrower-side flexibility — never the desirability of taking on credit. A high score means a product is clearly explained and fair to exit, and nothing more than that. No score can be bought.

Disclosure

Repay Desk is a commercially supported publication. Posts containing affiliate links, and posts that are sponsored, carry a disclosure with the post. Sponsored and affiliate links are marked rel="sponsored" in the page's code. Sponsors never see, edit or approve editorial copy before publication, and no score can be bought — see the advertising page for what is and is not for sale.

Bylines

Repay Desk publishes under house bylines maintained by the editorial team. Yvonne Straker, the editor's byline on our reviews, is a disclosed house pen name — the accountable editorial identity for everything published under it, in the tradition of publications that write under a house name rather than inventing biographies. News runs under “Staff, Repay Desk.” There is no invented journalist behind any byline on this site.

What this publication is not

Repay Desk is a publisher. We are not a lender, a broker, a debt-management firm or an adviser, and nothing here is financial advice. Our worked examples are illustrations with stated assumptions — never quotes, offers, or predictions of what any reader will be charged. Use lenders licensed in your own jurisdiction, and verify that licence yourself.

Corrections

If we have published an error — a figure, a date, a term, a price — we want to know. Reach the editorial desk via the contact page and say “correction” in the first line; that queue moves fastest. We correct promptly and note material corrections in the post.