APR reality check
We surface advertised ranges and explain how credit tier, term, and amount change your offer.
Lending
Personal loans that keep costs clear
Fixed-rate options ranked on APR ranges, funding speed, fees, and borrower protections — whether you’re consolidating debt or funding a goal.
Lender scorecards incoming
We’re mapping APR bands and origination fees across leading marketplace and direct lenders.
Read debt help guidesFee drag
Origination fees can erase “low rate” wins — we bake them into total cost of borrowing.
Soft-pull shopping
Lenders that let you check rates without a hard inquiry score higher for borrower-friendliness.
Will checking rates hurt my credit?
Many lenders use a soft credit pull for prequalification. Final applications typically require a hard inquiry — we call out the difference on each profile.
Is consolidation always smarter than cards?
Only if the blended APR and term lower total interest without stretching payments past your budget. Run both scenarios before you apply.