Loan Herald covers borrowing in the United Kingdom without the sales pitch. Personal loans, credit-building products, affordability checks and the published cost of credit — read closely, explained plainly, and never dressed up as an offer.
Who writes here
The site is edited by Duncan Everly, a disclosed house pen name maintained by our editorial team — the Economist model, stated openly rather than hidden. Reviews run under the editor's byline; news runs under “Staff, Loan Herald.” We publish no fabricated author biographies and claim no credentials we do not have — see the editorial policy for how the bylines work.
How this site is funded
Loan Herald is an independent, commercially supported publication. We may earn affiliate or advertising revenue from links on the site. That revenue never dictates our conclusions: scores, pros and cons are editorial judgments, sponsored material is always disclosed with the post, and no verdict can be bought. Commercial enquiries go through the advertise page.
Who this is for
We write for UK consumers who want borrowing explained rather than sold.
How we work
We read lenders' published cost-of-credit disclosures and explain representative APR honestly — it is the rate offered to a proportion of successful applicants, not a rate any reader is guaranteed. We do not run a comparison table, we publish no urgency language, and where a lender's authorisation matters we tell readers to check the FCA Register themselves rather than asserting a firm's permissions on our authority.
What this publication is not
Loan Herald is a publisher. We are not a lender, not a credit broker, not an appointed representative, and not authorised or regulated by the Financial Conduct Authority. Nothing on this site is financial advice or a credit recommendation, and no page here is a comparison service. Where a firm's authorisation matters, check that firm on the FCA Register yourself — we will point you there rather than assert its permissions on our own authority.
Corrections
If we have published an error — a figure, a date, a term, anything — we want to know. Reach the editorial desk via the contact page. Corrections are the fastest queue we run, and material ones are noted in the post.