Independent loan and credit card comparison for U.S. consumers
Consolidate debt, cover a large expense or fund a project with a fixed monthly payment.
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9 offers for $2,500 over 3 years
Estimated for good credit (690–719).
Lender’s APR range Your estimateEvery bar uses the same 5–40% scale.
Lowest total cost for your inputs
Estimated APR
12.26%
Range 8.74–18.00%
Monthly payment
$83
for 36 months
Interest & fees
$500
No origination fee
Estimated APR
12.84%
Range 9.99–17.49%
Monthly payment
$84
for 36 months
Interest & fees
$526
No origination fee
Estimated APR
15.22%
Range 9.24–24.99%
Monthly payment
$87
for 36 months
Interest & fees
$630
No origination fee
Estimated APR
16.81%
Range 8.74–29.99%
Monthly payment
$89
for 36 months
Interest & fees
$700
No origination fee
Estimated APR
18.01%
Range 6.99–35.99%
Monthly payment
$90
for 36 months
Interest & fees
$864
incl. $110 fee
Estimated APR
18.63%
Range 7.99–35.99%
Monthly payment
$91
for 36 months
Interest & fees
$877
incl. $95 fee
Estimated APR
18.48%
Range 7.74–35.99%
Monthly payment
$91
for 36 months
Interest & fees
$899
incl. $124 fee
Estimated APR
19.25%
Range 8.99–35.99%
Monthly payment
$92
for 36 months
Interest & fees
$921
incl. $110 fee
Estimated APR
19.85%
Range 9.95–35.99%
Monthly payment
$93
for 36 months
Interest & fees
$933
incl. $95 fee
Many lenders start at 600 to 660, and the lowest rates go to borrowers above 720. Some lenders that specialize in fair credit will consider scores in the high 500s, at a higher APR and with an origination fee.
Prequalifying uses a soft inquiry and does not affect your score. A hard inquiry happens only when you formally apply. Scoring models usually treat several inquiries for the same kind of loan within a short window as one.
Often, if the loan APR is lower than your card rates and you commit to the fixed term. A fixed payment and end date remove the temptation to carry a balance. If you can clear the debt in 12 to 18 months, a 0% balance transfer card may cost even less.
A one-time fee, usually 1% to 8% of the loan, that a lender charges for processing. It is normally deducted from the money you receive, so you repay the full amount while getting less.