PERSONAL-LOAN OFFER COMPARISON
US dollars. Reviewed October 6, 2026. Copy the offer block for each written quote. Keep
account numbers and identity documents separately and securely.
Guide and sources: https://yenra.com/unsecured-personal-loans/

Expense and deadline: __________  Usable cash needed ($): __________
Repeatable payment budget ($/month): __________
Higher-expense/lower-income month budget ($/month): __________

OFFER A / B (circle one)
Lender and independently verified support route: __________
Quote date and expiration: __________
Principal / starting loan balance ($): __________
Fee withheld from funding ($): __________
Usable proceeds ($): __________
Any funds sent directly to another party ($; explain): __________
Fees paid separately ($): __________
Optional products included; cost and how paid: __________
Contract interest rate (%): __________ Fixed or adjustable: __________
Disclosed APR (%): __________
Payment ($): __________ Number of payments: __________
First due date: __________ Different final payment ($): __________
Scheduled total payments ($): __________
Separately paid required costs ($): __________
Early-payoff or extra-payment instructions: __________
Discount conditions and consequences if lost: __________
Co-borrower/cosigner obligations, if applicable: __________
Inquiry type and remaining approval conditions confirmed: __________

INTERPRET
Calculate usable proceeds from the actual disbursement breakdown.
Count each fee once. Do not add a withheld or financed fee again to a total that already
includes it. Record contingent late/returned-payment charges separately from scheduled
costs.
APR is a disclosed annual measure; adding a fee percentage to the interest rate does not
calculate APR.
Fictional funding check: $10,000 principal less a 5% withheld fee gives $9,500. To receive
about $10,000 at that exact fee, principal would be about $10,526.32. Obtain a revised
lender quote for its own rounding and terms.

Decision and reasons: __________
[ ] Final agreement matches comparison.
[ ] Proceeds and first payment confirmed after funding.