SERVICE & DISCLOSURE

State Availability

You can submit a CTCLoans request from any U.S. state. That does not mean every loan type, amount or participating lender is available in every state. State law, lender licensing and partner coverage can change which route is available.

Get Started →How matching works
CTC ROLEMatching serviceNot a lender or creditor
REQUEST RANGE$100–$35,000Requested amount; offer may differ
CTC FEE$0No fee to submit a request
STATESAll 50Partner/product availability varies
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Decision block 01

One state selector, different possible outcomes

OutcomeWhat it meansCTC behavior
Target option availableA participating partner may consider the requested product in your state.Continue to partner review; no approval is guaranteed.
Target option unavailableThe specific product or partner cannot be presented in your state.CTCLoans should route to a genuinely available alternative rather than show unavailable terms.
No appropriate partner matchThe network may have no suitable route for the submitted information.Show a clear no-match state and useful alternatives; do not manufacture an offer.
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Decision block 02

What can vary by state

  • Participating lender coverage and licensing.
  • Minimum and maximum amounts offered by a partner.
  • APR, fees, term limits and other credit rules.
  • Availability of installment, secured, cosigner or other product structures.
  • Required notices, disclosures and marketing restrictions.
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Decision block 03

Why CTCLoans does not publish one nationwide term sheet

CTCLoans is not the creditor, and partner/state coverage changes. A single nationwide APR, fee, loan amount or repayment schedule would imply uniformity that does not exist.

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Decision block 04

Alternative route when a product is restricted

  1. Keep the user’s state and requested amount.
  2. Explain that the selected option is not available through the current network in that state.
  3. Show another network-supported credit path only if it is genuinely available.
  4. Where appropriate, surface a non-credit alternative or official resource.
  5. Never relabel an unavailable product just to preserve conversion.
Check available request paths for your stateCTCLoans accepts requests from all 50 states. The partner route and lender offer, if any, depend on state and product availability.
/get-started/

State-aware routing

Check the request path by state

All 50 states can submit a CTCLoans request. A specific product or participating partner may not be available everywhere.

Continue →
Select a state to carry it into the request page.

Related CTCLoans pages

Loan Options by Purpose→Loan Options by Amount→Advertiser Disclosure→Rates and Fees→
CFConsumer Finance StandardCost, terminology and product clarity
LCCompliance Review StandardDisclosures, fair-lending language and documentation
BGBorrower Guidance StandardDecision support, alternatives and repayment guidance
Content maintenanceAugust 21, 2026Editorial framework →
✓Editorial StandardsStructured around user decisions, not keyword repetition.
⌕Offer TransparencyCTCLoans explains the matching step; lenders set actual terms.
⌾Privacy & SecuritySensitive form data stays inside the approved request flow.
⌖State-Aware RoutingUnavailable product? Show a genuine alternative path.
%Rates & Terms VaryAPR, fees, terms and timing are lender-specific.
↻MaintainedContent and disclosures are reviewed before deployment.
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CTCLoans is not a lender.

We provide a free request and matching service that can connect consumers with participating lenders and other financial-service partners.

No obligation to acceptCTCLoans request fee: $0All 50 states can submitTerms vary by lender
Get Started →