Before you sign: loan checklist

Use the checklist as a decision record

Check each item only after you have a document or an answer you understand. A complete checklist is not an approval prediction, a lender endorsement or a guarantee that borrowing is affordable. An unresolved item is a reason to pause and ask a question, rather than to guess.

A practical example

Suppose an illustrative offer names $10,000 principal, but the deposit is only $9,500. Before checking the cash item, locate the $500 deduction in the disclosure and confirm whether it is an origination fee. Then calculate payments using the full principal and test that payment against your actual household cash flow. A lower deposit does not automatically mean a lower debt.

Privacy and limits

Progress is saved only in this browser’s local storage when available. Use Reset to clear these checks, or clear site data in your browser. Do not enter account numbers, Social Security numbers or identity documents here. Shared devices can expose saved progress to their other users. The checklist does not verify legal compliance or store copies of your documents. Read the borrowing options comparison before making a final choice.