Quick answer. Quick Cash is a lead generator, not a lender — and our editorial team is firewalled from our partnerships team. Every page is authored by a credentialed contributor, reviewed by a second person with a different credential, fact-checked against primary sources, and updated at least annually.

Editorial mission

Quick Cash publishes consumer-facing content about small-dollar lending — payday, installment, alternatives, and state-by-state rules — for households searching for cash at the moment of a real budget shock. Most of our readers are looking up "payday loans" because they need money fast. We exist to make sure they leave that search with three things they didn't have when they arrived: an honest cost estimate, a complete list of cheaper alternatives, and clear knowledge of their rights.

We do not exist to maximize the number of payday loans taken out. We exist to make sure that if a borrower decides to take one, they did so with full information and they understand every alternative they passed on. Our success metric is not "clicks to lender" — it is the share of visitors who, after reading us, take a cheaper path.

What we cover

  • Money pages — definitions, real-dollar cost comparisons, alternatives ranked by cost
  • State hubs — the legal framework, statutory cites, regulator contact, and city overlays for all 50 states
  • City pages — the practical implications of local ordinances on borrower outcomes
  • Learn library — plain-language explainers on payday mechanics, ACH, EPP, FDCPA, MLA
  • Research — our 50-state cost index, methodology, and source dataset

What we will not cover

We will not publish content on the following, regardless of search demand or revenue potential:

  • Auto-title loans. The collateral structure and repossession risk are categorically different and we have no editorial expertise.
  • Tribal-sovereign-immunity rate-evasion lenders. We will not present these as licensed options.
  • "Rent-a-bank" arrangements that exceed state usury caps. We name them by category in education content but do not refer borrowers to them.
  • Cryptocurrency-collateralized consumer loans. Outside our scope and our reviewers' competence.
  • Debt-relief or debt-settlement firms paid by enrollment. The incentive misalignment is irreconcilable with our mission.
  • "Get rich quick" or speculative-trading content. Not relevant to a household in a cash crunch.

Our 7-step process

  1. Topic brief. The editor drafts a brief covering the borrower question, the reader's likely circumstance, and the legal/regulatory boundary conditions.
  2. Author assignment. A credentialed author (AFC®, CFP®, JD, NMLS-licensed lender, or vetted journalist) drafts the page.
  3. Primary-source verification. Every claim of fact, statute, APR, or regulator action carries a citation to a primary source (see below).
  4. Fact-check pass. A fact-checker independent of the author runs every numeric and legal claim against its cited source.
  5. Reviewer sign-off. A second credentialed reviewer — a different person with a different credential — signs off. No author signs off on their own page.
  6. Legal/compliance check. Pages touching statute, FDCPA, TCPA, MLA, or state-specific rules are reviewed by María Rodríguez, JD.
  7. Publish, monitor, update. The page enters a 12-month review cycle. Statute or rate changes trigger an immediate update.

Source hierarchy

When a claim could be sourced multiple ways, we use the highest-tier source available. We do not cite competitor articles as primary sources for facts.

Tier 1 — Primary regulator and statute
CFPB, state Attorneys General, state banking and consumer-finance regulators, U.S. Department of Defense MLA guidance, state codes and session laws, federal register notices.
Tier 2 — Public-records and government data
OCCC and equivalent state portals, CFPB Consumer Complaint Database, FDIC and NCUA call reports, Census income/poverty tables.
Tier 3 — Peer-reviewed and nonprofit research
Pew Charitable Trusts small-dollar lending project, Center for Responsible Lending, National Consumer Law Center, NBER working papers.
Tier 4 — Original reporting and industry data
Original interviews on file at Quick Cash, industry trade-association data, lender-disclosed APR ranges (clearly labeled as the lender's own claim).

Fact-checking process

Every page is fact-checked by someone who is not the author. The fact-checker pulls every numeric claim, every legal citation, every regulator name, and every dollar figure, and matches each to a Tier-1 or Tier-2 source. See our full fact-checking policy for the three-step process and the primary-source list.

Disputed claims are escalated to the editorial board. If a fact cannot be supported by a Tier-1 or Tier-2 source within 48 hours, it is removed from the page until support is found.

Conflicts of interest

Every contributor must disclose any current or prior financial relationship with lenders, lead generators, debt-relief firms, or related entities. Disclosures are on file with the editorial board and summarized publicly on each author's page.

Contributors are recused automatically from any review where their disclosed relationship overlaps with the page subject. The editorial team is structurally firewalled from the partnerships and business-development teams: editorial does not see partner-specific revenue data, and partnerships does not have approval authority over editorial content.

Compensation and advertising

Quick Cash earns revenue when a visitor matches with a state-licensed lender in our partner network and that lender funds a loan. Editorial content is not weighted, ranked, or ordered based on which partner pays more. Partner-specific commercial terms are not visible to authors or reviewers when they make ranking, inclusion, or comparison decisions.

We do not accept paid placements, sponsored editorial, advertorial content, or guest posts from lenders or affiliates. Outbound links to lenders in lead-generation flows are clearly distinguished from editorial recommendations. See our ownership disclosure for full revenue and funding details.

AI usage disclosure

We use AI tools in narrowly defined editorial workflows, always under human authorship. Our policy:

  • AI may be used to brainstorm outlines, summarize long source documents into reviewer notes, or check grammar.
  • AI may not be used to draft published prose without human rewriting; the author's name on the page guarantees a human authored or substantially rewrote the text.
  • AI may not generate citations, statute numbers, or dollar figures — only humans pull and verify those against Tier-1 sources.
  • AI-assisted research is logged in the page's internal source file alongside the human verifications.

Updates and corrections

Every page enters a 12-month review cycle from publication. State-statute or APR-cap changes trigger an immediate update outside the cycle. When a material correction is made, we date-stamp the update at the top of the page and log the change in our public corrections log.

Contact

Editorial questions or feedback: [email protected]. Corrections: [email protected]. Legal/compliance: [email protected]. Or use our send-feedback form.