Decision block 01
Key service note
Price comes from the lender
CTCLoans cannot promise a universal APR or fee schedule because participating lenders, products and state rules differ. Do not treat an example, calculator or request amount as an offer.
Decision block 02
Cost terms to compare
| Term | What to look for |
|---|---|
| APR | A standardized annual percentage rate that helps compare the cost of credit. Review the APR shown in the lender offer. |
| Finance charge | The dollar cost of credit disclosed by the lender under the applicable agreement. |
| Origination or administrative fee | Some lenders may deduct or charge a fee. Check whether the amount you receive is less than the amount financed. |
| Late / returned-payment fee | May apply under a lender agreement and state law. Do not assume one fee schedule applies to every partner. |
| Prepayment | Review whether paying early is allowed and whether any charge applies. Terms are lender-specific. |
Decision block 03
Requested amount is not net proceeds
Planning tool only — not a loan offer or approval estimate.
The CTCLoans request range is $100–$35,000. That is the amount you can ask the network to consider—not a guaranteed loan amount.
- A participating lender may offer less, more narrowly restrict the amount, or make no offer.
- Fees, if permitted and charged, can affect the cash you actually receive.
- State law and lender product limits can change the available range.
- Use any on-page calculator as a scenario tool unless the numbers come from a specific lender offer.
Decision block 04
A quick offer-review checklist
- Identify the lender making the offer.
- Locate APR and any finance or origination charges.
- Confirm the amount you will actually receive.
- Check the number and amount of payments and the first due date.
- Calculate or review total repayment before accepting.
- Compare alternatives if the payment does not leave enough room for essentials and existing debts.
Decision block 05
What CTCLoans can show safely
| Item | Rule |
|---|---|
| Request range | $100–$35,000 may be submitted for routing. |
| CTC service fee | $0 to submit a request. |
| Illustrative scenarios | May be used for education if clearly labeled as examples, not offers. |
| Actual APR / fees / term | Must come from the participating lender offer or a network-approved disclosure tied to an available product. |
Compare the real offer, not the headlineIf you continue, review the participating lender’s disclosures before accepting any credit.
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Decision FAQ
Questions to resolve before you submit a request
Does CTCLoans charge an application fee?
CTCLoans does not charge a fee to submit a request through the matching service.
What APR will I get?
CTCLoans cannot determine that. Any APR is set by the participating lender based on its product, your information and applicable law.
Is $35,000 guaranteed?
No. $35,000 is the upper end of the CTC request range, not a guaranteed lender offer.