Loan Comparison Calculator

What you're borrowing

Loan amount ($)

The offers

Offer A BEST

Rate (%)

Term (months)

Upfront fees ($)

Offer B BEST

Rate (%)

Term (months)

Upfront fees ($)

Offer C BEST

Rate (%)

Term (months)

Upfront fees ($)

Side by side

Offer	Payment	Total interest	Fees	Total cost	Effective APR

Effective APR answers: "what rate would a no-fee loan need to cost the same?" It's the fair way to compare offers with different fees. Total cost favors shorter terms; effective APR is term-neutral.