Straight comparisons of personal, auto, mortgage, student, and business loans — compared on cost, terms, and fit. We tell you how we compare lenders and how we get paid.
The things readers want settled before they trust a comparison site. Last updated: September 22, 2026.
No. We do not make loans, take applications, or decide who gets approved. We are a free site that lines up lenders side by side so you can read them against each other. The loan itself always comes from the lender you pick. See what this site is and isn’t.
No. There are no forms, no accounts, and no sign-up. We never collect your information, so there is nothing here to sell or pass along. You read the comparisons, then go to the lender yourself when you are ready. See our editorial policy.
Every lender goes through the same checklist before it appears: that it is real and lending right now, what it actually offers, the name it goes by today, its fee claims, whether a rate check is a soft pull, and which states it serves. Each fact comes from the lender’s own site or a government source. When we cannot verify something, the page shows a blank instead of a guess. See how we compare lenders.
APR means annual percentage rate. It is the yearly cost of the loan with the fees folded in, which makes it the one number you can hold two offers up against. A longer loan can shrink the monthly payment and still cost you more by the end, so the payment on its own can point you the wrong way. The CFPB draws the same line between the interest rate and the APR. Compare personal loans.
It depends on the lender, so we write it down for each one. Some let you check with a soft pull, which does not touch your score. Others run a hard inquiry, which does. We take that from the lender’s own wording rather than from memory, and we say so on the comparison. See how we compare lenders.
Right now, it doesn't. No lender pays us to be listed, ranked, or clicked. If that changes, we'll say so first. See how we get paid.
Pages are drafted with AI help and reviewed by James Mills, a retired financial planner with a 25-year career and professional designations, and a former Florida mortgage and real estate broker. Rates and terms move often, so every page tells you to confirm the numbers at the source before you sign. See our editorial policy.
Each guide opens with the short answer, then a side-by-side comparison you can actually read. Or by situation: fair credit · debt consolidation · not sure? 60-second pointer · Guides: car-buying · mortgage shopping · rate trends
Debt consolidation, big purchases, emergencies.
Compare →New, used, and refinancing your current car loan.
Compare →Buying a home or refinancing your mortgage.
Compare →HELOCs and home equity loans — borrow against what you own.
Compare →Refinance or consolidate existing student debt.
Compare →Working capital, equipment, and lines of credit.
Compare →Payment, term-cost, and payoff math.
Open →A taste of the full list — ten verified lenders plus the credit unions and nonprofits most sites skip.
| Lender | Type | |
|---|---|---|
S SoFi |
Online bank | Compare → |
L LightStream |
Direct lender | Compare → |
U Upstart |
Online lender | Compare → |
Every lender is compared on the things that actually cost you money: APR range and fees, loan terms and flexibility, eligibility, funding speed, and customer experience. We publish the full method and weights.
If we haven't verified a lender from its own official site, we don't list it. Nothing changes who appears here or how we describe them.
Read the full method →James held professional designations in Financial Planning, Life Insurance, and Estate Planning, and was a licensed Florida mortgage broker, real estate broker, and life insurance agent. He reviews our guides for accuracy and sound judgment.