Decision block 01
The three-stage journey
| Stage | What happens | What it means for you |
|---|---|---|
| 1. Submit | Choose an amount, state and provide the information requested by the form. | CTCLoans receives a request; this is not a CTC credit approval. |
| 2. Partner review | The request may be routed to one or more participating partners. | A partner may verify identity, income, bank data or consumer-report information under its policy. |
| 3. Lender offer | If a participating lender decides to make an offer, it provides the credit terms. | Review APR, fees, payment schedule and lender identity before accepting anything. |
Decision block 02
What CTCLoans does — and does not do
RoleResponsibility
CTCLoans doesCollect and route a request, organize product information, explain common terms, and help you compare the next step.
CTCLoans does notApprove credit, set your APR, decide your loan term, fund a loan, service payments, or guarantee that a lender will respond.
Participating lenderMakes the actual credit decision and provides the loan agreement if it chooses to offer credit.
Decision block 03
What can change after you submit
- The amount you request may not be the amount a lender offers.
- A lender may request additional verification before making a decision.
- Credit inquiries vary by partner and stage; a hard inquiry is possible.
- Funding speed depends on the lender, verification, bank processing, weekends and holidays.
- If the requested option is unavailable in your state, CTCLoans may route you toward another available path rather than present an unavailable product.
Decision block 04
Before you continue to a lender
CheckWhat to verify
IdentityConfirm the legal name of the lender or provider making the offer.
CostRead the APR, finance charges, origination or other fees and total repayment.
PaymentCheck the first payment date, payment frequency and the amount due each period.
CreditReview any credit-inquiry or consumer-report authorization before continuing.
Cancellation / supportKnow who to contact if you change your mind, have an error, or later have trouble paying.
Ready to submit a request?Use the request form only after you understand that CTCLoans is a matching service. A participating lender—not CTCLoans—decides whether to offer credit.
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Decision FAQ
Questions to resolve before you submit a request
Does CTCLoans approve loans?
No. CTCLoans routes requests to participating partners. Any credit decision is made by a lender or other provider.
Will I definitely receive an offer?
No. Submitting a request does not guarantee a match, approval, amount, rate or funding.
Can I use CTCLoans from any state?
CTCLoans accepts request routing from all 50 states, but specific products and partners can be restricted or unavailable in a state.