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Loan offer comparison calculator.

Compare two fixed-rate loan offers with the same amount and term, including required upfront fees.

Your numbers

Currency changes labels, not exchange rates.

0–100,000,000 in your selected currency
1–1,200 whole months; 12 months = 1 year
0–50%; rate only, not an APR
0–100,000,000 in your selected currency
0–50%; rate only, not an APR
0–100,000,000 in your selected currency

How this works

We calculate equal monthly principal-and-interest payments for two fixed-rate loans with the same amount and term, then add only the required upfront fee you enter. A lender may calculate APR, fees, interest and final payments differently. This is not an APR calculation, quote, approval check or affordability decision.

CFPB: interest rate versus APR ↗

A quick example

For a fictional 10,000 loan over 24 months, a 5% offer with a 600 required fee has an all-in total of about 11,129.13. A 6% offer with no required fee totals about 10,636.95.

Educational estimates, not personalized financial advice. Check actual rates, fees and terms before making a commitment.