Enter the offers exactly as written

This is a planning comparison, not an APR calculation, credit decision or lender recommendation.

Currency

Use one currency for every offer. Convert externally before comparing if lenders quote different currencies.

I checked these figures against each written offer or my own scenario.
I will verify APR/effective cost, insurance, taxes, penalties, rate changes and disbursement terms with the lender.

Nothing is stored or sent. Confirm the figures before comparing.

Comparison verdict—

Offer	Cash received	Monthly due	Interest	All fees	Total paid	Borrowing cost	Cost / 100 received

“Cost per 100 received” is a simple lifetime-cost ratio, not APR. Flat and reducing-balance rates with the same percentage can produce very different interest.

Comparison discipline

Match amount and termA lowest-cost label appears only when every offer uses the same principal and number of months.

Rate is not APRAPR or another effective-cost disclosure may include charges omitted from the nominal rate.

Check cash receivedA fee deducted before disbursement reduces what reaches you even when you repay the full principal.

Ask what can changeConfirm rate resets, late charges, insurance, taxes, settlement fees and early-payment penalties.

Your figures stay local

Calculation, copy and PDF happen in this browser. Sharing sends only the canonical page URL—never lender names, amounts or results.

Sources & verification

Method reviewed 22 July 2026.

CFPB: compare loan offers — amount, rate, payment, fees and like-for-like checks.
CFPB: interest rate versus APR.

These sources support the comparison method and boundaries. They do not provide local lender rates or country-specific legal advice.

Report calculation error

Compare the whole loan, not just the headline rate

Enter the offers exactly as written

How the model works

What the result cannot decide