Free checklist: before you take a short-term loan

Published by the 90 Day Loan team · How we researchSources linked in this guideNot a lender · not financial adviceCompare loan options

Updated November 1, 2026

A printable checklist to work through before you sign for a 90-day or other short-term loan.

Try first

Ask the biller for a payment plan or a later due date.
Ask your employer about a paycheck advance.
Check whether a federal credit union near you offers a Payday Alternative Loan (PAL).

Check the lender

Look up the lender on NMLS Consumer Access or your state regulator.
Never pay a fee up front to get a loan.
Get the APR, total repaid and all fees in writing before you sign.

Check the loan

Compare at least two offers by APR and total repaid.
Ask about prepayment penalties and late fees.
Make sure each payment fits your budget after rent, food and transport.

This checklist is general information, built from the sources below. It is not professional advice for your situation.

Sources