How we source our figures.

Source hierarchy

1. The lender’s published state disclosures. Amounts, terms, APR, fee schedules and licensing language come from Galt Credit’s own rates-and-terms and Texas fee-schedule pages. These are the documents a borrower is shown before signing, so they outrank anything on a marketing page.
2. State regulators. Licensing categories, complaint routes and addresses come from the Texas OCCC, the Missouri Division of Finance, the Wisconsin DFI and the Utah DFI.
3. Federal agencies. Context on single-payment loans, renewal cycles, credit reporting rights and the Military Lending Act comes from the CFPB, the NCUA and the Department of Defense.
4. Our own estimates. Used only where no published figure exists, always labelled as an estimate, and always shown with the method below.

How the calculator works

The loan calculator and the estimator blocks are fitted to the lender’s own published Texas fee schedule — specifically the five-monthly and twelve-bi-weekly worked examples at $400, $500 and $1,000. Total repayment is modelled as a function of the number of payments, because the published data shows cost tracking payment count rather than elapsed time. The APR displayed is the approximately 598% published on those examples.

The model is calibrated against real disclosures rather than invented, but it is still an estimate. It will not match a Missouri, Wisconsin or Utah loan exactly, because Galt Credit lends directly in those states with no Credit Access Business fee component and prices them differently. Every calculator output carries that caveat on screen.

What we do about numbers we cannot verify

We leave them out. This site does not publish a licence number, because licence documents are published by the lender and should be checked at the source. It does not publish a company address, an employee count, or a funding volume, because none of those is disclosed. Where the lender publishes a range rather than a figure — “approximately 4 to 10 months” — we publish the range.

Site statistics

Three figures on this site describe readers rather than the lender: the typical time readers report taking to finish an application, the share who reported funds arriving by the next business day, and the share on a second or later loan. These come from reader-submitted reviews collected by this site. They are labelled as reader-reported wherever they appear and they are not lender performance statistics.

When sources disagree

The lender’s current disclosure wins over anything on this site, and your own loan agreement wins over everything. Where a state disclosure and a marketing page conflict — for example, a homepage advertising “up to $1,000” against a state page allowing $1,500 — we publish both and explain the difference rather than picking the flattering one.

Review cadence

Pages are re-checked against the lender’s published disclosures on a scheduled basis and whenever a reader reports a discrepancy. Each page carries its last-reviewed date in the byline. A page that has not been reviewed recently is still a page we stand behind, but the date tells you how much to trust the specific figures on it.