Decision checklist

A loan should solve more than it creates.

Use this checklist before accepting any credit agreement.

Define the need

Borrow only the amount required for a specific purpose. Separate urgent needs from optional spending.

Ask about payment plans, hardship programs, community support, credit unions, or employer assistance.

Use dependable take-home income and include existing obligations, essentials, and an emergency margin.

Review APR, fees, payment amount, number of payments, and total repayment—not only the advertised rate.

Confirm the legal entity and license through official sources. Do not rely solely on website seals.

Use a secure connection and never share passwords, one-time codes, or full banking credentials by message.