Loan Offer Comparison Tool
Compare two or three personal or auto loan offers with the same principal. We factor in APR, term, and upfront fees so you see true monthly payments, total interest, effective APR, and the lowest lifetime cost.
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Why people use this
Honest math
Fees in APR
Offers
2–3 side by side
Verdict
Clear winner
Recommended Guides
Auto loan planning from the CalnexApp blog—compare financing paths before you sign.
How we compare offers
Monthly payments use standard amortization. Total out-of-pocket adds upfront fees to all payments. Effective APR solves for the rate that matches your net proceeds after fees to the payment stream—so a low headline rate with high fees cannot hide.
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Loan Tool FAQ
How should I compare calculator outputs?
Compare monthly payment, total interest, and payoff speed together.
Can this tool help with planning extra payments?
Yes. Test baseline and accelerated scenarios to estimate savings.