Find a Loan That Fits Your Budget
Compare personal, business, auto, and home loans. See typical APR ranges, fees, and terms — then apply with confidence.
Spotlight Offers
Flex Personal Loan
Best for debt consolidation
Typical origination fee may apply. Eligibility based on credit & income.
See OfferStarter Business Loan
Best for SMB working capital
Fees vary. Strong revenue/history improves approval odds.
See OfferGreen Auto Loan
Best for new/used cars
Late fees possible. Compare total cost on longer terms.
See OfferCompare Lenders Side-by-Side
| Lender | Best For | APR Range | Terms | Fees | |
|---|---|---|---|---|---|
| Flex Personal Loan | Debt consolidation | 7.99%–24.99% | 24–60 mo | No prepayment · Origination possible | See Offer |
| Starter Business Loan | Working capital | 8.99%–29.99% | 6–36 mo | Processing fees | See Offer |
| Green Auto Loan | Vehicle purchase | 5.49%–12.99% | 24–84 mo | Late fees possible | See Offer |
*Rates/terms vary by lender, credit, income, collateral, and location. Always check official disclosures.
Eligibility & How to Improve Approval Odds
Typical Eligibility
- • Stable income & employment
- • Credit history without major delinquencies
- • Manageable debt-to-income (DTI) ratio
- • Collateral for secured loans (auto/mortgage)
Boost Your Chances
- • Check credit report; fix errors
- • Reduce card balances (lower utilization)
- • Limit hard inquiries in short periods
- • Consider a co-applicant or collateral if appropriate
Pre-qualification (soft pull) lets you see estimated rates **without impacting your credit score**.
Pre-Qualification vs Full Application
Pre-Qual (Soft Check)
Quick estimate of your potential APR and terms. No score impact.
Full Application (Hard Check)
Needed to finalize approval and rates. May temporarily reduce score by a few points.
After Approval
Funds may arrive within 1–5 days (varies by lender). Set up autopay to avoid late fees.
Estimate Payments & Total Cost
Use our calculators to model monthly payments and interest by amount, APR, and term.
Why Compare with MyCreditFind
Transparent Comparisons
We summarize APRs, fees, and terms in plain language — no jargon.
No Pressure
Browse offers first. Apply when you’re ready.
Helpful Guides
Step-by-step explainers and tips for responsible borrowing.
Loans — Frequently Asked Questions
What is a good APR for a personal loan?
It depends on your credit and market rates. Higher credit scores and lower DTI generally unlock lower APRs.
Will applying hurt my credit?
A full application creates a hard inquiry that may lower your score briefly. Pre-qualification uses a soft inquiry and doesn’t affect your score.
Is a longer term better?
Longer terms lower monthly payments but often increase total interest. Choose the shortest term you can comfortably afford.
Are there early repayment penalties?
Some lenders charge them. Check the loan agreement before signing.
Fixed vs variable APR?
Fixed stays the same; variable can change with an index, affecting your payment and total cost.
Disclaimer: Information is educational. Lender terms and APRs change frequently and depend on your credit, income, collateral, and location. Always review official disclosures.