Free tool

Loan Comparison Tool: Find the Right Loan for You

Enter the loan offers you've received to compare them by what really matters: total cost. The lowest monthly payment isn't always the cheapest loan. SmartPath Finance is not a lender; this tool doesn't submit applications or share your data.

Last reviewed October 19, 2026

Amount ($)Rate (%)Term (months)Upfront fee (%)

Monthly payment: $323
Total interest: $1,616
Fees: $0
Total cost: $11,616

Lowest total cost

Amount ($)Rate (%)Term (months)Upfront fee (%)

Monthly payment: $205
Total interest: $2,310
Fees: $400
Total cost: $12,710

Amount ($)Rate (%)Term (months)Upfront fee (%)

Monthly payment: $263
Total interest: $2,640
Fees: $0
Total cost: $12,640

Disclaimer: Results are estimates using a standard amortization formula and the rate you enter. Actual payments depend on the lender's terms. If the fee is deducted from your loan, you'll receive less than the amount borrowed. This tool is for education only and isn't an offer of credit.

What to compare beyond cost

Whether there's a prepayment penalty
Late fees and hardship options
Whether the lender pays creditors directly (for consolidation)
The lender's licensing in your state

Learn more in Understanding Personal Loans and Personal Loans for Bad Credit: Options & Advice.