An employer-sponsored small-dollar loan (ESSDL) can make a big difference in the lives of employees who lack access to affordable credit. As a low-cost, highly valued employee benefit, small-dollar loans may also meet important needs for companies. This checklist is designed to help employers understand the choices and trade-offs among different employer-based loan programs. For a more detailed report, see: Employer-Sponsored Small-Dollar Loans: A Survey of Products and Employers (Urban Institute, December 2020).