25 lenders analyzed · Retrieved 2026-08-24
Personal and auto loans, verified
Personal and auto loan rates verified against lenders’ own pages, plus the providers we tell you to avoid.
Benchmark: 36% MLA cap (10 U.S.C. § 987 / 32 CFR 232)
- 21 lenders verified
- Criteria published
- 12‑lender buyer‑beware list included
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The smarter way to compare rates
Four numbers, computed from our own data
- Personal loans
APR as low as
6.99%
SoFi and Discover Personal Loans · verified 2026-08-24
See personal loan rates
- Auto loans
New-car APR as low as
3.89%
Navy Federal · verified 2026-08-24
See auto loan rates
- Credit cards
No annual fee
24cards
Bank of America Customized Cash Rewards Credit Card and Bank of America Customized Cash Rewards Credit Card for Students, and 22 more · verified 2026-08-30
See no-annual-fee cards
- Buyer-beware
Lenders flagged
12
9 personal-loan and 3 auto-loan providers
See who to avoid
Rates verified from lenders’ own published pages on 2026-08-24; your rate depends on your credit profile. Not an offer of credit.
Choose a loan type
13 providers reviewed · 9 buyer-beware
Personal loans
Verified APRs and origination fees from SoFi, Discover, LightStream, and 10 more — plus a 9-provider buyer-beware tier flagged against a published 36% MLA cap and an 8% fee ceiling, fee/APR evidence in hand.
See personal loan providers
12 providers reviewed · 3 buyer-beware
Auto loans
Verified new/used APRs from credit unions and banks — plus a 3-lender buyer-beware tier built from real CFPB and state Attorney General enforcement records, docket numbers included.
See auto loan providers
Decision guide · computed examples
Debt consolidation loans
When a consolidation loan actually saves money — the full math with the origination fee and disclosed APR, verified lender rates, bad-credit options, and the offer terms that disqualify a loan.
See when consolidation saves money
Decision guide · computed examples
Personal loans for bad credit
What bad-credit loans really cost, why an offer above 36% APR often costs more than the debt it replaces, secured and credit-union alternatives, and what a soft-pull prequalification checks.
See the honest reality
Decision guides · computed, cited to primary sources
The next question: 401(k) loan, HELOC, balance transfer, a 500 or 600 score, cash advance apps, tribal lenders, cosigners
Eight guides on the loan decisions affiliate sites answer with lender tables — each one worked through with the math and the rule that governs it.
Browse the loan guides
Rates from the source
Every APR here was pulled from a lender’s own rate page, not a paid-placement feed.
Benchmarks set first
Buyer-beware placement is decided by public fee and APR benchmarks fixed before any partner relationship existed.
The worst list, published
9 personal-loan and 3 auto lenders are named in a buyer-beware tier most comparison sites won’t run.
Why a buyer-beware tier
An affiliate site that only publishes a “best of” list has no reason to tell you which lenders to avoid — doing so risks a partner relationship. We publish both lists from the same data: providers earn a spot in the buyer-beware tier only when their own published terms cross a specific, public threshold (personal loans: fee or APR benchmarks fixed before this research began) or when a federal or state regulator has a real, citable enforcement record against them (auto loans). Nothing here is opinion — every flag traces to a number or a docket you can verify yourself on the methodology sections of each page.
Let’s do the math
Pick a loan type, enter your numbers, and see the monthly payment, total interest, and a year-by-year breakdown update instantly — before you ever talk to a lender.
Between $500 and $200,000.
Between 0% and 99.9%.
Choose a term between 2 and 7 years.
Runs entirely in your browser — nothing you type is stored, sent, or saved. Estimates for education only — actual offers vary by lender and credit profile.
Your monthly payment
$203/mo
Total repayment
$12,166
- Principal$10,000
- Total interest$2,166
Year-by-year: principal vs. interest
- Principal
- Interest
| Year | Principal paid | Interest paid |
|---|---|---|
| Year 1 | $1,694.40 | $738.77 |
| Year 2 | $1,835.04 | $598.13 |
| Year 3 | $1,987.34 | $445.82 |
| Year 4 | $2,152.29 | $280.88 |
| Year 5 | $2,330.93 | $102.24 |
My debt overhead
Save each debt to build your monthly debt budget below — up to 20 at a time. Saved only in this browser; nothing is sent anywhere.
Educational tracking only — totals are arithmetic, not advice. Data lives only in this browser and can be cleared by clearing site data.
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.
This site’s published inventory, computed at build time
- 54
- Verified products analyzed
- 184
- Free guides
- 7
- Datasets published
- 2
- Languages
29 cards + 25 lenders
Credit, debt & bankruptcy explainers
Downloadable, sourced, dated
English & Español
All figures computed from this site’s own published inventory at build time. No user reviews, ratings, or testimonials exist on this site yet — we don’t invent them to fill a number.