Quick answer: Compare two hypothetical personal-loan offers by amount, APR, term, and origination fee. The calculator estimates payment, net proceeds, total interest, total fees, and total repayment.
Published: October 1, 2026 | Updated: October 1, 2026 | Editorial attribution: Borrow Your Loan Editorial Team
| Metric | Offer A | Offer B |
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How to compare personal loan offers
Compare APR, payment, term, fees, net proceeds, total interest, and total repayment together. A lower monthly payment is not automatically cheaper if the term is longer or fees are higher.
Methodology
Payments use the fixed-installment amortization formula. Origination fee is estimated as amount multiplied by fee percent. Net proceeds equals amount minus estimated origination fee. This is educational and does not replace lender disclosures.
Borrow Your Loan is not a lender and cannot guarantee approval, APR, funding, amount, or terms.
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