Lower your interest rate by 8%+ and save thousands. Compare APRs, fees, and terms across 11+ top lenders.
The APR includes both interest AND fees. A loan with a 9% rate but a 5% origination fee actually costs you 12.5% APR. Compare the real APRnot just the advertised rateto save thousands.
LightStream - Zero fees, rates from 6.24%, up to $100K, Rate Beat Program
Marcus - No fees, 0% APR offers, flexible payment dates, repayment tools
Upstart - AI underwriting, no minimum score, approves 300+ FICO, next-day funding
We analyzed APRs, fees, and funding speed across every major lender.
Why a 9% loan with fees costs more than a 12% loan without.
How to combine high-interest debt and save thousands in interest.
Combine high-interest credit cards into one lower-rate loan
Large projects up to $100K with 20-year terms
Same-day or next-day funding when you need it fast
AI models consider more than just credit score
See APRs, fees, and loan terms side-by-side from 11+ top lenders