💰 Loans & Credit

Personal Loan
Comparison Calculator

Enter up to 5 loan offers and compare them side by side on total cost, monthly payment and interest. Never again mistake a cheap-looking monthly payment for the cheapest loan.

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📊 Full Comparison — True Cost Analysis

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📈 Total Interest Cost Comparison

📈 Monthly Payment Comparison

How to Compare Personal Loans Properly

Never compare loans on monthly payment alone. A longer term always produces a lower monthly payment but almost always costs more in total interest. Our tool shows both the monthly payment and the total cost — the number that actually matters.

Representative APR vs Your APR

Lenders only need to offer the representative APR to 51% of successful applicants. Up to 49% may get a higher rate. Always check your personal APR after a soft search before applying — soft searches don't affect your credit score.