How our content is made
This is the rulebook for the parts of aprubado.ph that are neither a legal notice nor part of the application flow — the loan calculator, the trust hub, the head-to-head comparisons, the borrower reviews, and the how-to guides. We put it in the open so you can see for yourself how every word gets researched, checked, and signed off, and where we draw the line on what we will and won't say.
We verify SEC Certificate of Authority numbers, BSP Circular 1133 s.2021 rate-cap compliance, and SEC MC 19 s.2019 disclosure requirements for every lender mentioned. Aprubado is an independent loan-comparison service and is not a lender.
The people behind the words
Writers on the Aprubado team draft each page from two kinds of source: the public documents of the regulators (SEC, BSP, NPC, BIR) and the current, published terms of each SEC-licensed partner lender on our panel. Nothing goes live until the Aprubado editorial team has read it over — cross-checking every partner's Certificate of Authority number, every BSP rate-cap statement, and every bit of disclosure wording against the circular it comes from.
Which sources we trust
- Go to the original. SEC circulars, BSP memoranda, NPC issuances, BIR revenue memoranda — we link straight to the official document whenever one exists.
- Lender figures come from the lender. Maximum amounts, term ranges, and payout methods (including GCash and Maya) are taken from each partner's own terms and app-store listing. We never make numbers up.
- Real borrowers, real consent. The stories we feature come from actual people matched through Aprubado who agreed to be published. Names are trimmed when asked, and if a review was ever compensated we say so plainly.
- No invented quotes, stars, or testimonials. When we point to an outside source — say a third-party SEC-data mirror — we link to it. We do not manufacture ratings or put words in anyone's mouth.
Keeping the facts current
- Which lenders are SEC-registered: checked every month against checkwithsec.sec.gov.ph. Suspensions, delistings, or new CAs are reflected as soon as our next review catches them, and the moment a partner's CA lapses it drops out of the matching panel.
- BSP caps and SEC disclosure rules: reviewed quarterly, with any fresh circular pushing a content update inside the same week.
- Each partner's product terms: revisited monthly against that lender's live app and website.
- Our matching and fee model: updated in real time — the calculator and disclosure pages refresh on the very next deploy whenever the logic or the referral-fee arrangement shifts.
The "Last updated" date at the foot of each page shows when it was last re-verified. If a page hasn't been touched, we won't dress it up as if it has.
Spotted a mistake?
Found something wrong — a bad CA number, an out-of-date rate cap, a partner term that has moved on? Send the page URL and the fix to general@virixlabs.com. We reply within 48 hours, and once we confirm an error we note the correction openly the next time that page updates.
Lines we won't cross
- No “guaranteed approval” promises for any partner — that breaches SEC MC 19 s.2019, and the yes-or-no always belongs to the lender.
- No suggestion that Aprubado lends, approves, or hands out money itself. We compare and match, full stop.
- No made-up borrower testimonials and no invented star ratings.
- No faceless hit-pieces on named lenders. Our comparisons stick to facts and give both the upsides and the downsides.
- No buried fees and no undisclosed ties. We state up front that partner lenders pay us a referral fee and that comparing is libre for you.
Why any of this matters
Plenty of Filipinos have found out the hard way that some “loan app review” sites are quietly run by the very lenders they praise, or by aggregators pocketing payouts they never mention. We refuse to play that game: we spell out the model in the open — Aprubado is an independent comparison service, paid a referral fee by SEC-licensed partner lenders — we name the team that vets the content, and we list, right here, the things we will never do.