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Borrowing Cost & Loan Offer Comparison

Compare up to three loan offers, personal loans, auto loans, home-improvement loans, medical financing, or any other fixed-payment borrowing, on APR and total borrowing cost, not just the advertised rate or monthly payment.

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Before You Begin

  • Results are estimates, for education only. This tool does not predict whether you'll be approved for any offer, and it never recommends a specific lender.
  • We compare offers on APR and total borrowing cost because APR generally rolls certain lender fees into the rate, making it a more apples-to-apples comparison than the interest rate or monthly payment alone — but a lower monthly payment can still add up to a higher overall cost over a longer term.
  • Always verify every term — rate, fees, prepayment penalties, balloon payments — in the lender's official loan agreement before signing. State lending laws and individual lender practices vary.
  • Everything you enter stays in your own browser on this device. We don't send it to a server or store it on our end. Closing your browser's site data, or using "Clear my data" below, permanently deletes it.

1What Are You Borrowing For?

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Your credit-score range is used for educational context only — this tool never estimates a guaranteed approval or rate from it.

2Loan Offers

Enter up to three offers you're considering. Leave a field blank if you don't have that information yet.

3Affordability Information

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Before You Sign

A note on guardrails Every result here is an estimate for education only. This tool doesn't predict loan approval, doesn't recommend a specific lender, and can't account for every fee or condition a real lender might apply. A lower monthly payment can still mean a higher overall cost. Always confirm final terms in the official loan agreement, and remember that state lending laws and lender practices vary.