Loan Comparison Calculator
Compare up to 3 loan offers side by side. Sticker APR isn't the whole story — origination fees, terms, and extra payments all move the number. Find the true winner in seconds.
Online Lender
lowest total cost
Save $1,566
Side-by-side
Monthly
$513
Interest
$5,775
Payoff
60 mo
Monthly
$494
Interest
$4,631
Payoff
60 mo
Monthly
$603
Interest
$3,959
Payoff
48 mo
Freedom Coach™
Online Lender is the cheapest — saves $1,566 vs. the most expensive offer.
Effective APR (rate + fee amortized) matters more than sticker APR. The lowest sticker APR isn't always cheapest once fees are added in.
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Save loan scenarios, compare refinance offers over time, and export a summary for your lender.
Unlock PremiumThe interest rate is what the lender charges on the principal. APR bundles in origination and fees, so it's a better apples-to-apples number. Our tool also computes an 'effective APR' that amortizes flat fees over the term.
No. Lower monthly payments usually mean a longer term, which means more total interest. Compare 'total paid' and 'total interest' — those are the numbers that matter for wealth.
Yes. A $500 origination fee on a 3-year $10k loan is effectively an extra ~1.7% APR. Always factor them in.
Most consumer loans in the U.S. don't have them, but some mortgages and auto loans do. Always read the fine print before making extra payments.
Yes — with Freedom Fighter ($12/mo) you can save scenarios and share them with a spouse or advisor.
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