First Plus Group exists to make short-term borrowing transparent before the application, not after the contract. We publish the legal limits, fees, statutes, and regulators for every state we cover, and every cost example on this site is computed from published state rules rather than invented for effect.
What we are: a free referral service connecting applicants with independent participating lenders, compensated by lenders and never by applicants. What we are not: a lender, a broker making credit decisions, or a guarantor of approval.
Editorial standards
- Facts from primary sources. Caps, fees, statutes, and regulator details come from state statutes and regulator publications, refreshed on a scheduled review cycle.
- Costs shown as math. Wherever we quote a loan cost, the page shows the calculation inputs.
- Named accountability. Every state page carries a named reviewer (see below).
- No approval promises. We reject guaranteed-approval framing everywhere it appears, including in offers we choose to display.
Our reviewers
Nora Calloway
Financial writer, lead editor
Nora has reported on consumer credit since 2017, with a focus on small-dollar lending markets and the state statutes that shape them. She maintains the state law tables on this site and reconciles every cost example against the underlying statute before anything is published.
Gerald Pratt
Reviewer, former credit counselor
Gerald spent eleven years as a certified credit counselor, helping households climb out of short-term debt cycles. He reviews every state page for the questions a counselor would ask: total cost, rollover risk, and the cheaper alternatives worth trying first.