Loansloth

Personal Loans, Without the Rush

Loansloth is a free personal-loan education site. Compare loan offers calmly, run the numbers first, and borrow only when the payment fits — no pressure, no rush.

Compare personal loan offers Run the numbers first

Advertising disclosure: Loansloth 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. 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 Loansloth 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 does Loansloth make money?
Loansloth is an independent publisher. When you click through to a lending partner we may receive a referral fee. That fee does not change the rate you are offered, and it never changes what we publish — see our affiliate disclosure.
Does Loansloth lend money?
No. Loansloth is not a lender, a broker, or a credit repair service. We publish calculators, guides and sourced reference data so you can compare offers from lenders you choose yourself.
Does applying through Loansloth affect my credit score?
Loansloth does not pull your credit and does not process applications. Any credit inquiry happens at the lender you choose, and many marketplaces use a soft pull for pre-qualification that does not affect your score.
What is a realistic APR for a personal loan?
Personal-loan APRs vary widely with credit history, loan amount and term. Rather than quote a number we cannot stand behind, we show you how APR is calculated and link to the Federal Reserve's published consumer-credit data so you can see current market levels.