Contact

MoneyZap is a publication, and it is reached the way you reach a newsroom: by writing to the editor. One mailbox handles everything on this page — [email protected] — and it reaches Frank Glemstone, who writes the guides, the calculator pages and the ratings.

A figure that looks wrong

This is the message the editor most wants to receive. Every number on the site traces back to a lender rate sheet, a state statute or a regulator dataset, and every page that renders those numbers carries a visible stamp for when they were last checked. Fee caps move, legislatures rewrite statutes, and a product's pricing changes without announcement — so if you spot a figure that no longer matches the source, the editor wants to know. Corrections are made in the text of the page itself rather than appended out of sight, and a reader who catches a stale number is the fastest correction channel this site has.

It helps to name the page and quote the figure you are looking at. If your own loan agreement or a state fee schedule says something different, that document is the useful part of the message.

How a score was reached

Ratings follow a fixed three-axis rubric — Cost, Speed and Risk — and the thresholds behind every score are published in full, so any rating card on the site can be recomputed from the tables rather than taken on trust. If a score still does not follow from the published thresholds, that is worth an email. Read how we rate first: most questions of this kind are answered by the worked example there, which scores a payday loan step by step.

Reusing the charts and figures

Quoting passages, referencing figures and reproducing or embedding the site's charts and infographics is permitted, provided MoneyZap is credited and the reuse links back to the page the material came from. Journalists, researchers and teachers can treat that permission as standing and do not need to ask first. Republishing whole articles, or any commercial redistribution, needs written permission — that request goes to the same mailbox, and the full wording is in the terms of use.

Privacy requests and questions about the terms

Questions about how the site handles reader information, and any privacy request, go to the same address; what the site does and does not log is set out in the privacy policy. Questions about the terms of use go there too.

When the numbers were last checked

The dataset behind the site's figures is re-checked monthly against fee schedules and state statute pages, and anything a legislature or regulator has touched is flagged and the worked examples re-run, so a reader in Ohio or California sees the rules that actually apply to them. Scores move only when the underlying numbers move. Each guide shows a last-reviewed date alongside its sources, and the state-rules tables carry their own "data as of" stamp; the figures on them are typical published ranges rather than quotes, because the price you are actually offered depends on the lender's own disclosure. If a stamp looks older than the change you are asking about, say so in the message — that is exactly the signal that sends someone back to the source document.

What the editor can and cannot help with

The mailbox is for the published material: a figure, a score, a methodology question, a reuse request. It is not a route to an individual borrowing decision. The editor cannot tell you which loan to take, negotiate with a lender for you, or look up the status of an application — the site carries no applications, no sign-up forms and no advertiser placements, so there is nothing on this end to look up.

For those, better channels exist and they are free. The Consumer Financial Protection Bureau accepts complaints about a lender directly at consumerfinance.gov and publishes the responses it gets. Licensing questions about a storefront lender go to your state regulator, which is also the office that sets the fee caps the guides on this site quote. If you are weighing a specific agreement, the payday loan calculator turns any quoted fee into a true annual cost in seconds, which is usually the number that settles the decision.