Use Contact as a starting point for a decision in Guyana, not as a promise of access. Record your figures in GYD, retain the date of each check and separate sourced facts from questions that remain open.
Before signing, reconcile quotation, schedule and agreement. Confirm currency, amount received, term, interest basis, fees, security, arrears and early settlement. Save a dated copy and the complaint route. This guide structures evidence; it does not rank institutions, invent missing prices or guarantee an individual credit decision.
List every fee and service beside the repayment schedule. Mark whether insurance, an account relationship or security is required, optional or unpublished. A blank source field is unknown, never zero. Keep the official URL and access date with each fact so a later reviewer can distinguish current evidence from an older product description.
Stress-test the instalment after essential spending, existing debts and a reserve. Repeat the budget with lower income or an unavoidable expense. If repayment requires another loan or the loss of the reserve, reduce the requested amount or stop. Approval by a lender would not by itself make the commitment affordable.
Read membership and security requirements before treating a product as available. Ask what evidence is needed and at which stage. Do not infer that one institution follows another institution’s rules. The useful comparison shows the boundary between a published product feature, a personalised assessment and a condition that still needs written confirmation.
Contact: Request two quotations for the same principal and term, then reconcile rate, charges and total; a lower payment loses if debt lasts longer.
Contact: Review arrears and due dates before convenience: record consequences, charges and the complaint route if a payment is not credited.
Contact: Compare keeping the loan to maturity with early settlement using only the written procedure; do not turn a possible saving into a promise.
Contact: Create one sheet per offer with net proceeds, term, payment, total cost, insurance, security and early exit; keep unpublished fields visibly unknown.
Contact: Collect statements, receipts and obligations in a dated file; figures should reconcile with the application and every difference needs explanation.
Before acting on Contact, match the institution and domain with Bank of Guyana, retain the complete offer and stop if a charge, condition or complaint route cannot be explained.