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APR rates up to 29.82%
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Our lenders require that your bank account information be included with your application. This information is encrypted and securely transmitted when your application is submitted.

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How's your credit?

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  • All Credit Types Welcome — Good Or Bad
  • Instant Answers and Approvals In Minutes
  • Free To Apply — No Upfront Costs Or Fees

Representative Examples of APR, Total Loan Costs & Fee

Loan Amount $1,000 $2,000 $2,500 $5,000
Interest Rate 24.00% 19.00% 16.00% 13.00%
Loan Term 12 months 24 months 36 months 48 months
Fee 3.00% 5.00% 10.00% 12.00%
Monthly Payment $94.56 $100.82 $87.89 $131.67
APR 29.82% 24.12% 22.93% 18.23%
Total Payments $1,134.72 $2,419.68 $3,164.13 $6,320.12
Total Cost $164.72 $519.68 $914.13 $1,920.12

For example: the $2,000 representative loan above with a 24-month term and a 5% origination fee would have a total cost, including the 5% origination fee ($100) plus interest, of $519.68 and a total payback amount of $2,419.68.

Loan Term (Repayment Period)
Minimum Maximum
61 days 84 months
  • Annual Percentage Rate (APR)

    The annual percentage rate (or APR) is the annualized interest rate that you are charged on a personal loan. Since APR is commonly used to express fees related to other types of loans (auto loans, mortgage loans, and personal loans), we've included a representative example above to outline fees, rates, and other terms commonly associated with personal loans.

    CreditLoanCompare.com is not a lender and does not have the ability to disclose exact APR. Consumers who originated via a paid Google advertisement feature rates on CreditLoanCompare.com of no greater than 29.82% APR (calculated consistent with the Truth in Lending Act, TILA) with repayment terms from 61 days to 84 months. This number will be set by your lender and you will be notified of the final number before accepting the loan terms. Annual percentage rates can vary based on both: 1) the information that you supply in your initial loan request, and 2) the information that your lender supplies to you.

    Rates based on creditworthiness and are subject to change without notice. Your actual rate and monthly payment may vary. Must be 18 years of age or older to apply. CreditLoanCompare.com does refer consumers to trusted professional lenders who can provide loan information and assistance. There is no charge for our service. Once your application has been submitted and you are presented with the loan agreement, lenders will disclose all details related to the loan — including APR, loan finance charges, or any other loan terms you would be agreeing to. We recommend to all users to carefully read and review the loan terms of any offer you receive. If you still have questions related to APR or loan related services, please contact us for more assistance.

  • Financial Implications (Interest & Finance Charges)

    If you are approved for a loan, you will be presented with all fees, terms, and interest rates associated with the loan BEFORE you formally accept the loan. As stated, CreditLoanCompare.com is not a lender, and therefore cannot provide you with exact fees and/or interest associated with your loan offers. You are under NO obligation to accept any loan offers/terms that are provided by lenders. For more information, click here for a representative APR example.

  • Implications of Non-Payment

    By accepting the terms and conditions for a personal loan, you essentially agree to repay the loan both: 1) with interest and 2) in the time frame specified in the loan agreement. In most cases, failure to repay the loan in full, or making a late payment, can result in additional charges. CreditLoanCompare.com has NO ability to predict or estimate what supplemental charges will be incurred in the event of late, partial, or non-payment. CreditLoanCompare.com also has NO control or knowledge of any loan agreements or details between you and your lender.

    Please carefully review the late, partial, and non-payment policies that your lender provides with your loan agreement. CreditLoanCompare.com works hard to partner with only the most trustworthy and reputable lenders who pursue the collection of past-due loan accounts in a fair and reasonable manner.

  • Potential Impact to Credit Score

    When borrowing, it is important to understand that being late on a payment, missing a payment, or rolling over a loan can all negatively impact your credit score. Your score is a numerical expression of your credit worthiness, and is based on a direct analysis of your past/current credit standing. A credit score is based primarily on information typically sourced from credit reporting bureaus. Failing to repay loans on time will affect your score negatively and make future financial decisions more difficult or affect your chances at approval (getting a loan, getting a credit card, etc.)

    While poor/bad credit will not always prevent you from being able to receive a loan, all loans are subject to credit approval. In addition, any matching lenders you're paired with may run a credit check with one or more credit agencies. Too many credit checks in a given period of time can negatively affect your credit score.

  • Collection Practices

    As stated, CreditLoanCompare.com is not a lender and, because of this, we have NO involvement in the debt collection process. As part of the lending agreement provided to you by the lender, they will disclose their debt collection practices. If you have any collection questions, please contact the lender for complete details. CreditLoanCompare.com only works with reputable lenders who use fair collection practices.

  • Loan Renewal Policies

    Prior to accepting any loan offer, you will be presented with any loan renewal options by the lender. Carefully review the policy before accepting or electronically signing any loan documents. Note, state regulations can determine lenders' renewal policies to a significant extent.

Calculator Icon

Personal Loan Calculator

Use this calculator to compare personal loan interest rates and estimate your monthly payments as defined by the Federal Truth In Lending Act. Enter your loan amount, term (in months) and your interest rate.


Loan Details

Results

  • Total Amount Paid
  • Total Interest Paid
  • Est. Monthly Payment

The personal loan calculator is provided as an estimation tool for your convenience and should not be considered as a loan offer. We do not in any way guarantee the accuracy or suitability of the results.

How It Works

  • 1

    Submit Your Secure Application

    We'll ask you a few questions in order to find you the best loan offers available.

  • 2

    Accept Your Loan

    If you are matched with a lender, you will be taken to the lender's website to review and accept your loan.

  • 3

    Use Your Funds

    After accepting your loan, it will be deposited into your account in as little as 24 hours.

Common Questions

  • I have bad credit. Can I still apply?

    Yes. You may still qualify for a loan with bad credit.

  • What's my interest rate and when do I need to pay back the loan?

    Your interest rate and repayment schedule will vary based on the lender you're matched with. Once approved, you'll be transferred to the lender's website to review and approve the repayment terms for your loan.

  • How will I know if I am approved?

    After you submit your application, you will receive an on-screen approval decision. Please note: It may take up to a minute or more to receive a decision, so do not close or navigate away from this page after submitting your application.

  • What can I use my loan for?

    You can use your funds for any purpose. Personal expenses such as auto repairs, debt consolidation, home improvement and medical expenses are common reasons that people apply.

  • Can I get approved today?

    After you submit your application, you will receive an approval response nearly instantly. If approved, your loan funds will be deposited into your account in as little as 24 hours.

  • I have a fixed income. Can I still apply?

    Yes. Many lenders specialize in providing loans to people who receive various types of benefits such as Social Security, Retirement, or Veteran's Benefits.

  • Does it cost anything to apply?

    No. There is no cost to apply.

  • I have a job and also receive benefits. Which form of income should I use on my application?

    To make your application as accurate as possible, specify the form of income that represents a higher percentage of your monthly income.

  • How is my private information protected?

    Your information is encrypted and securely transmitted to the lender, who then decides whether to fund your loan. We use PCI-compliant, bank-level security that is continually tested and certified.

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