Who runs Financessentials
Financessentials is an independent publication about personal loans and consumer credit in the United States. It is run by a two-person editorial team working from Madrid, Spain. We have been publishing online since late 2025. Financessentials launched in 2026.
We tell you that upfront because we think you should know who is behind information you might use to make a financial decision — and because two things follow from it that matter more than our biographies.
What we are not
We are not licensed financial advisors, in the United States or anywhere else. Nothing on this site is personalized financial advice, and we will never tell you what you personally should do with your money. For that, speak to a licensed advisor or a nonprofit credit counsellor accredited by the National Foundation for Credit Counseling.
We are not a lender, a broker, or a lead generator. We do not accept loan applications, we do not collect your financial information, and we do not sell your details to anyone. There is nothing to apply for on this site.
We are not based in the United States. We don’t have first-hand experience of applying for a US personal loan, and we don’t pretend to. What we do instead is read primary sources carefully — lenders’ own rate disclosures, Federal Reserve data, CFPB guidance and federal regulation — and show our work, so you can check us rather than take our word for anything.
What we are
We are independent, and that is the whole point. Financessentials accepts no commission, affiliate revenue, referral fee, or payment of any kind from any lender we write about. No lender can pay to appear on this site, to be ranked higher, or to have criticism removed. Our only revenue comes from display advertising, which is sold without any lender having a say in what we publish.
Most large personal-finance comparison sites are paid a commission each time a reader clicks through to a lender. That isn’t necessarily dishonest, but it creates a pull we simply don’t have. It is why we can write a section headed “skip this lender if…” under a lender’s name, and why we can tell you a widely recommended product no longer exists.
How our articles are made
Every rate, fee and eligibility requirement we publish is read from the lender’s own disclosure page and dated on the article. We re-check those figures at least monthly and update the “last verified” line when we do. Every payment and interest calculation is produced with the standard amortization formula and, where the lender publishes its own worked example, cross-checked against it.
Articles are published under the Financessentials Editorial Team byline rather than a single name, because research, writing and verification are shared between us. That team is two people based in Madrid, with editorial support. We describe the full process, including what we do when we get something wrong, on our editorial methodology page.
What we cover
Personal loans: how they work in the US, what lenders look for, and what they cost. Lender comparisons: side-by-side on verified rates, fees and terms. Loan guides: the application process, calculating payments, refinancing. Credit: what scores mean for the rate you’re offered. FAQs: short answers to the questions readers actually send us.
Corrections
We get things wrong sometimes. When a reader tells us a figure doesn’t match what a lender is advertising, we check it against the lender’s own disclosure and correct it if they’re right. If you spot something, please tell us through our contact page. We read everything that arrives.
Advertiser disclosure: Financessentials displays third-party advertising. Advertisers have no influence over our editorial content, no advance sight of it, and no relationship with any lender we cover.