One offer gives you more value for the money.
CB
Cal's Take
Free Personal Loan Comparison Tool
Compare the real cost before you sign.
Put up to three personal loan offers side by side. See the estimated payment, fees, cash you actually receive, total repayment, and contract terms that could make a “cheaper” offer cost more.
✓No credit pull
✓Includes origination fees
✓Flags early-payoff restrictions
Step 1
Add the offers you received
Use the numbers from each prequalification, approval, or loan disclosure. The monthly payment is an estimate calculated from the loan amount, APR, and term.
Compare your offers
Two offers are shown to start. Use the third card to check SoFi or enter any other offer manually.
Your information stays in this browser. This tool does not submit a loan application or predict approval.
Before you accept
Is this really your best available offer?
You have compared your current offers. Check one more rate before signing to see whether SoFi can beat your best APR, payment, or total cost.
Visual comparison
Estimated monthly payment by loan
Lower bars mean a smaller estimated monthly payment.
Estimated monthly payment
Loan offers are shown on the x-axis. Estimated monthly payment is shown on the y-axis.
Line-by-line comparison
See where each offer wins
The highlighted cells show the strongest number in each category.
What stands out
The calculator looks for fee deductions, deceptively low payments, and early-payoff concerns.
Terms to check before signing
“Not sure” is a signal to get the answer in writing before accepting the loan.
Your offer to beat
Give your current winner one final rate check.
Use the winner below as the number another lender has to beat.
Affiliate disclosure: Cal may receive compensation if you use this link and obtain a loan. This does not change the calculator results. Compare the final APR, fees, term, monthly payment, and total repayment before accepting any loan.
Current offer to beat
0.00% APR
