Terms of Use

These terms cover the use of MoneyZap and everything published on it: the guides, the calculators, the ratings, the charts and the data tables. By reading the site you accept them; they are short, and most of them amount to common sense.

Educational content

MoneyZap publishes general information about consumer financial products: how payday, installment and title loans are priced, how fees annualize, what state rules apply, and how the alternatives compare. It is educational material about product categories, written for a general readership. It is not individualized financial, legal or tax advice, and no article accounts for your specific circumstances, credit profile or state of residence. Decisions about borrowing should be made with the actual disclosures a lender provides for your specific offer and, where the stakes warrant it, with a qualified professional such as a licensed financial counselor. A good starting point for free help is a nonprofit credit counselor accredited through the channels the CFPB describes on its site.

Accuracy and dated figures

Rates, fees and caps change. Every figure rendered on this site comes from a maintained data layer and carries a visible "data as of" stamp on the page where it appears (currently June 2026), and each guide shows a "last reviewed" date alongside its sources. Figures are typical published ranges, not quotes: the price you are actually offered can differ, and the lender's own disclosure controls. If you spot an error, the editor wants to know at [email protected].

Intellectual property and reuse

The content on this site, including text, charts, tables and the calculator presentations, is © MoneyZap. Personal, non-commercial use is welcome and so is citation: you may quote passages, reference figures and embed or reproduce the site's charts and infographics, provided you attribute MoneyZap and link back to the page the material came from. Journalists, researchers and teachers can treat that permission as standing. Wholesale republication of articles, or any commercial redistribution, requires written permission first via [email protected].

Acceptable use

Use the site as a reader. Do not present its content as a loan offer or as advice you authored, strip the attribution from reused material, alter quoted figures while keeping the citation, or deploy the material in a way designed to mislead consumers about the cost of credit. Automated bulk scraping for republication falls outside the citation permission above.

External links

Articles link out to government and consumer resources, mainly regulator sites such as the CFPB, the Federal Reserve and state agencies. Those sites have their own terms and privacy policies, and their content can change after an article citing them is reviewed. A link is a citation, not an endorsement of everything at the destination.

Changes to these terms

If these terms change, the revised version will be posted at this URL and the "Last updated" stamp above will change with it. Continued use of the site after a revision is acceptance of the revised terms. The site keeps no record of individual readers, so posting here is the only notice given.

Governing law

These terms and any dispute arising from the use of this site are governed by United States federal law and the laws of the State of New York, without regard to conflict-of-law rules. If any provision of these terms is found unenforceable, the remaining provisions stay in effect.

Questions about these terms go to [email protected]. For how the site handles visitor data, see the privacy policy.