A Side-by-Side Loan Offer Comparison Worksheet
Use a consistent checklist to compare actual lender offers, not advertising claims. This page explains practical considerations; your lender’s disclosures and applicable state law control any actual loan.
At a glance
Record principal, fees deducted from proceeds, and net deposit.
Before deciding
Check the full repayment amount, payment dates, and whether the obligation fits your essential expenses.
Who decides?
89 Cash is not a lender. Any lender determines eligibility, terms, and funding independently.
Compare the cash received
Record principal, fees deducted from proceeds, and net deposit.
Compare the full price
Record APR, total finance charge, and total of payments.
Compare timing
Write down the first due date, number of payments, and whether automatic debit is required.
Compare flexibility
Ask about late fees, early payoff, hardship options, and customer support.
Questions worth asking
- What is the total amount I would repay, including all fees?
- When is the first payment due, and what happens if it is late?
- Are there lower-cost options for this specific expense?
Further reading and official resources
For independent consumer guidance, visit the Consumer Financial Protection Bureau or the Federal Trade Commission consumer advice center. These links do not endorse this website.
Explore related guidance
Understand rates and fees · Frequently asked questions · Review request information
Offer comparison worksheet: choose total cost, not headline rate
Fill in each lender’s written disclosure rather than relying on a marketing page.
| Field | Offer A (example) | Offer B (example) |
|---|---|---|
| Amount financed | $1,000 | $1,000 |
| APR | 24% | 30% |
| Term | 12 months | 12 months |
| Monthly payment (no fees) | $94.56 | $97.49 |
| Total payments (no fees) | $1,134.72 | $1,169.85 |
What this means: Actual offers may include origination charges, different disbursements, and variable terms. Compare like for like.
Reference: CFPB consumer guidance. Figures are educational examples, not actual 89 Cash lender offers or guaranteed terms.