Digital Loan Offer and APR Comparator

Enter up to three offers shown to you now. Compare the same net amount and term by total repayment, finance cost and effective annual rate.

3 current offersNo provider defaultsLocal & private

Compare Digital Lending Apps

OfferAmount ReceivedFinance CostTotal RepaymentTerm CostEffective Annual Rate
Use the amount actually received after mandatory deductions. Ensure total repayment includes every fee, insurance charge and tax. Annualising a very short loan helps comparison but does not mean the loan will actually be renewed for a year.

Frequently Asked Questions

Payment comparison workflow

Digital Lending App Rates: quick guide

Use only offers for the same amount received and the same number of days. Enter the final repayment shown after every mandatory charge.

  • Finance cost: total repayment minus amount received.
  • Term cost: finance cost divided by amount received.
  • Effective annual rate: (repayment ÷ amount received)365 ÷ days − 1.

Privacy: names and quote values stay on this page; do not paste account, phone or identity data.

Digital Lending App Rates FAQ

Does this page load app rates?

No. It compares only the current total repayments you enter.

Should I enter the advertised amount?

Enter the amount you actually receive after deductions, then enter the full repayment due.

Can I compare different terms?

Not in one run. Use the same term for all three offers or calculate each separately.

Why can a short-loan annual rate look very large?
The effective annual rate compounds the same term cost across a 365-day year. It is a comparison measure, not a forecast of repeated borrowing.
How do I check whether a lender is regulated?
Use the current lender register published by the financial regulator for your jurisdiction. A brand name or app-store listing is not proof of authorisation.
Does the result include late payment?
No. It models repayment on the quoted due date. Read the contract for late fees, rollover, collection, credit-reporting and complaint terms.