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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12 offers for $5,000 over 5 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
$112
for 60 months
Interest & fees
$1,713
No origination fee
Estimated APR
12.84%
Range 9.99–17.49%
Monthly payment
$113
for 60 months
Interest & fees
$1,801
No origination fee
Estimated APR
13.94%
Range 6.99–25.29%
Monthly payment
$116
for 60 months
Interest & fees
$1,972
No origination fee
Estimated APR
14.34%
Range 6.74–26.74%
Monthly payment
$117
for 60 months
Interest & fees
$2,033
No origination fee
Estimated APR
15.22%
Range 9.24–24.99%
Monthly payment
$120
for 60 months
Interest & fees
$2,172
No origination fee
Estimated APR
16.81%
Range 8.74–29.99%
Monthly payment
$124
for 60 months
Interest & fees
$2,426
No origination fee
Estimated APR
17.55%
Range 6.25–35.99%
Monthly payment
$126
for 60 months
Interest & fees
$2,796
incl. $252 fee
Estimated APR
18.01%
Range 6.99–35.99%
Monthly payment
$127
for 60 months
Interest & fees
$2,840
incl. $221 fee
Estimated APR
18.63%
Range 7.99–35.99%
Monthly payment
$129
for 60 months
Interest & fees
$2,911
incl. $190 fee
Estimated APR
18.48%
Range 7.74–35.99%
Monthly payment
$128
for 60 months
Interest & fees
$2,943
incl. $247 fee
Estimated APR
19.25%
Range 8.99–35.99%
Monthly payment
$130
for 60 months
Interest & fees
$3,044
incl. $221 fee
Estimated APR
19.85%
Range 9.95–35.99%
Monthly payment
$132
for 60 months
Interest & fees
$3,112
incl. $190 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.