Loan Comparison Tool 2026 — Compare Any Two Products

🔥 Popular Comparisons

Personal Loan vs. HELOC

For debt consolidation

Most searched →

New Car vs. Used Car Loan

Total cost over 60 months

Auto buyers →

15-Year vs. 30-Year Mortgage

Interest savings analysis

Home buyers →

Balance Transfer vs. Personal Loan

$15K credit card debt

Debt payoff →

SoFi vs. LightStream

Personal loan head-to-head

Lender comparison →

Federal vs. Private Student Loan

True cost comparison

Students →

Option A

Product / Lender Name

Loan Amount ($)

Interest Rate (%)

Term (months)

Upfront Fee ($)

Option B

Product / Lender Name

Loan Amount ($)

Interest Rate (%)

Term (months)

Upfront Fee ($)

📊

Compare your options above

Enter details for both options to see a full side-by-side analysis with a recommendation.

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📊 Payment Comparison

Visual breakdown of monthly payment and total cost

Monthly Pay

$311Option A

$299Option B

Total Cost

$18,660Option A

$17,940Option B

Total Interest

$3,660Interest A

$2,940Interest B

Metric

Option A: Personal Loan

Option B: HELOC

Monthly PaymentPrincipal & Interest
$311
per month
$299
per month

Total Interest Paid

$3,660

$2,940

Total CostIncluding fees
$18,660
$17,940

Effective APR

8.99%

7.25%

Savings vs. Option A
—
$720 saved
over full term

Break-Even MonthWhen B becomes better

—

Month 1

Lower from start

Best For

Unsecured · Fixed rate · No home needed · Fast funding

Lowest rate · Homeowners · Flexible draw · Tax-deductible possible

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