BorrowYourLoan resources · Download blank CSV worksheet
Compare the loan offers you actually receive
Copy the figures from dated written disclosures. Keep the desired usable cash and comparison date consistent. This worksheet does not determine eligibility or recommend an offer. It contains no application fields, sends no worksheet entries to us, and can be printed or saved locally. Use your browser’s Print command for a paper copy.
| Record from the written offer | Offer A | Offer B | Offer C |
|---|---|---|---|
| Provider and offer date Company identity and date / valid-through time | |||
| Purpose and desired usable cash Use the same intended expense or payoff amount | |||
| Gross note principal Balance on which the note charges interest | |||
| Disclosed amount financed Copy the disclosure; do not assume it equals gross principal | |||
| Usable cash received Cash available after deductions or direct creditor payments | |||
| Annual note interest rate Interest-only rate used by the note | |||
| Disclosed APR Lender-disclosed APR including applicable charges | |||
| Origination fee and treatment Amount; withheld / financed / paid separately | |||
| Other required upfront cash Charges paid separately and not already financed | |||
| Monthly payment Actual scheduled installment | |||
| Number and timing of payments Term, first-payment date and final-payment date | |||
| Total of payments Copy the written scheduled-payment total | |||
| Payoff and prepayment terms Quote validity, daily interest, charges or refunds if applicable | |||
| Monthly budget remaining Room after essentials, debts and irregular expenses | |||
| Questions for the provider Resolve unclear or missing figures before deciding |
Read the result before accepting anything
- Usable cash: does it cover the intended expense or dated payoff? The note balance, disclosed amount financed and money available to you can differ.
- APR and note rate: compare the lender’s APR with APR, and use the note rate for a payment model that separately handles fees.
- Payment and final date: a smaller installment may extend the debt. Compare both affordability and the total scheduled repayment.
- Fees: identify charges that are withheld, financed or paid separately. Count each fee once; do not add a financed charge to repayments a second time.
- Budget: check what remains after housing, essentials, existing debts and irregular expenses. A workable ratio is not an approval promise.
Check fee-inclusive APR with the existing calculator · See original fee-inclusive examples and the reproducible schedule · Check DTI
Source and publisher
The CFPB explains installment-loan fees; Regulation Z section1026.18 describes closed-end disclosure terminology. Actual disclosures, dates and contract terms control. Worksheet version November6,2026. Published by BorrowYourLoan, operated by Infusion Tech.
Check Your Loan Options — starts a loan request. BorrowYourLoan is a commercial connection service, not a lender. A request does not guarantee a match, approval or funding. Providers determine availability and terms.