See Your Loan Estimate
Why Your Real Offer Can Differ
A lender weighs several details before deciding what to offer — your score is only one of them.
Full Credit Picture
Payment history, utilization, and file age all factor in beyond the single score number.
Income & Debt Load
Steady income and a manageable debt-to-income ratio can offset a lower score.
Lender Type
Credit unions, fintech lenders, and banks price and evaluate fair/limited credit very differently.
Before You Continue
Look past the monthly payment at the full picture.
Review These Numbers
- Annual percentage rate and whether it is fixed
- Total interest paid across the full term
- Origination fees deducted from proceeds, if any
- Whether a secured or co-signed option lowers your rate
Protect Your Information
- Confirm the lender clearly identifies itself
- Use a secure connection before sharing data
- Never pay a fee for a guaranteed approval
- Read the agreement before accepting terms
How This Estimate Works
It uses a fixed illustrative APR based on the credit range you select — 22.9% for fair credit, 29.9% for rebuilding/limited history — so amounts can be compared consistently. This is not a rate quote.
Advertised low rates usually apply only to the most qualified applicants. Fair and limited-credit borrowers realistically see higher rates, which is what these illustrative figures reflect.
No. The example assumes no additional fees. Actual lenders may charge origination fees deducted from proceeds, which change what you actually receive.
No. Continue takes you to information about a specific lender’s personal loan. No personal information is collected by this calculator.
Understanding Your Estimate
A closer look at what this number does — and doesn’t — tell you.
The monthly payment above uses a fixed illustrative APR tied to the credit range you select, applied the same way across every amount and term so options can be compared on equal footing. It is not a rate quote and is not personalized to your income, debt load, or location.
Fair-credit borrowers (580–669) saw average APRs around 23.8% as of September 2026, while borrowers rebuilding credit or with limited history typically see rates in the high-20s to mid-30s range, depending on the lender and their full financial profile.
When you click continue, you’ll be taken to information about a lender that weighs more than a credit score alone. Nothing entered on this page is submitted anywhere — the slider and dropdowns only run a local calculation in your browser.
Two applicants in the same “credit range” can be quoted very different real rates once a lender reviews income, employment history, and existing debt. The illustrative APR here is a starting point for comparison, not a prediction of your specific offer.
It’s worth checking estimated terms with more than one lender, including a credit union if you’re eligible to join one — federal credit unions cap personal loan APRs at 18%, which can be meaningfully lower than a fintech lender’s rate for the same credit profile.