Last updated: September 1, 2025
Welcome to DrTov.xyz — your friendly guide to smarter borrowing.
We publish practical tips, checklists, and explainers that help everyday people understand loans, credit, and debt—from personal loans and BNPL to mortgages and small‑business financing. Our goal is to cut the jargon, compare options clearly, and point you toward questions to ask before you sign anything.
What we do
- Break down loan products and key terms (APR, fees, collateral, amortization)
- Explain how lenders evaluate applications and what you can do to improve your chances
- Share calculators, worksheets, and decision frameworks to avoid costly mistakes
- Highlight risks, red flags, and common scams to watch for
How we work
- Independent editorial: Our guides are written for readers first. If we partner with lenders or receive referral fees, we’ll disclose that connection on the relevant pages.
- No personal financial advice: We offer education, not individualized recommendations. Always consider your circumstances or consult a licensed professional.
- Accuracy & updates: We review content periodically and update when products, laws, or rates change. If you spot an error, please tell us.
Who we are
DrTov.xyz is run by a small editorial team with backgrounds in consumer finance, credit analysis, and digital publishing. We collaborate with external experts when a topic requires deeper specialization.
Get in touch
Questions, feedback, or corrections are welcome. See our Contact page below.