Loans
How to compare personal loans by what they actually cost
APR gets the headline, but fees, term and the way a lender pays out the money change the real price.
Sep 8, 2026 · 6 min read
Compare loans by what they cost.
Choose a category, enter what you need to borrow, and see every offer ranked by estimated interest and fees for your credit range.
Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026
- Personal loansConsolidate debt, cover a large expense or fund a project with a fixed monthly payment.6.25%12 lenders comparedlowest starting APR, up to 35.99%
- MortgageBuy a home or refinance one. Compare purchase and refinance rates from banks and online lenders.Comparison coming soonChase publishes 6.946% APR (30-year fixed) as of Sep 21, 2026.
- Auto loansFinance or refinance a new or used vehicle.Comparison coming soonBank of America publishes 4.94% APR (60-month term) as of Sep 8, 2026.
- Student loan refinancingRefinance private or federal student debt into one loan. Understand what you give up first.Comparison coming soon
- Home equityBorrow against the value of your home with a lump-sum loan or a revolving line of credit.Comparison coming soonU.S. Bank publishes 6.20%–11.10% APR (variable rate range) as of Sep 17, 2026.
- Small business loansTerm loans, lines of credit and equipment financing for established U.S. small businesses.Comparison coming soon
Before you choose a lender
Credit score
How your credit score changes the rate you are offered
Lenders price risk in tiers. Moving up a single tier can cut thousands of dollars from a loan.
5 min read
Credit cards
Balance transfer cards: when they save money and when they don't
A 0% window can be the cheapest way to pay off debt, if you know the fee and have a plan for the end date.
5 min read
Mortgages
What credit score do you need to get a mortgage?
The minimums are lower than most people think. The best rates are not.
6 min read
Want to test a payment first?
Use the loan calculator to see monthly payments, total interest and an amortization schedule.