Personalloaner

Personal Loans, Priced Before You Sign

Personalloaner is an independent personal-loan reference desk. We publish the calculators, the plain-English guides and the sourced state rules that let a US borrower read an offer carefully and compare total cost before signing.

Check personal loan offers Run the numbers first

Advertising disclosure: Personalloaner may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Start with a calculator

Personal Loan CalculatorFree · runs in your browserLoan Payment CalculatorFree · runs in your browserLoan Payoff CalculatorFree · runs in your browserLoan Amortization CalculatorFree · runs in your browserLoan Interest CalculatorFree · runs in your browserAPR CalculatorFree · runs in your browser

See all 14 loan calculators

Understand the rules where you live

Loan pricing follows your credit profile, but the rate caps and licensing rules that protect you are set by your state. We publish each figure with its publisher and a link to the primary source.

How Personalloaner works

We are an independent publisher, not a lender. We do not process applications and we do not pull your credit. Every calculator runs entirely in your browser, and every factual claim on the site cites a primary source. When we cannot verify a figure, we link to the source instead of guessing.

Frequently asked questions

How is Personalloaner funded?
We are an independent publisher. Some outbound links are affiliate links, so if you follow one and complete an application, a lending partner may pay us a referral fee. That fee never changes the rate you are offered or the material we publish. Our affiliate disclosure sets out the details.
Is Personalloaner a lender or a broker?
Neither. We do not issue loans, broker them, or offer credit repair. The calculators, guides and sourced state data here exist so you can evaluate offers from lenders you choose yourself.
Will using this site leave a mark on my credit file?
No. We never pull your credit and we do not take applications. A credit inquiry can only happen with a lender you pick; many marketplaces use a soft pull for pre-qualification, which does not affect your score.
What APR should I expect on a personal loan?
It varies too much to quote responsibly: credit history, amount and term all move the number. Rather than publish a figure we cannot source, we explain how APR is built and link to the Federal Reserve's published consumer-credit data so you can read current market levels yourself.