Compare loan offers you already have
Enter the details from offers you've already received and see a true side-by-side: monthly payment, total interest, origination fee, and real total cost. This tool doesn't recommend or link to any lender — it just does the math on offers you bring to it.
Enter the offers you've received
Fill in each offer exactly as shown in your loan disclosure. You can add up to 4 offers.
Side-by-side comparison
In plain terms
Offer B costs the least overall — about $240 less than Offer A once fees are included.
True total cost — lower is better
Total of all payments plus any origination fee. Teal = cheapest overall.
Offer A
- Monthly payment
- $387.61
- Term
- 48 months (4.0 yrs)
- Total interest
- $3,605
- Origination fee
- None
- True total cost
- $18,605
Offer B
Lowest total cost- Monthly payment
- $501.80
- Term
- 36 months (3.0 yrs)
- Total interest
- $3,065
- Origination fee
- $300
- True total cost
- $18,365
The lowest monthly payment is not always the cheapest option.
A longer term reduces what you pay each month but usually increases the total interest you pay over the life of the loan. An origination fee adds cost even when it's not reflected in the monthly payment. Compare the True total cost column — that's the real price of each offer.
This calculator runs entirely in your browser — nothing you enter is sent, stored, or shared. Results are estimates for education only, not an offer, quote, or guarantee of any rate, term, or savings. Actual figures depend on your credit and the lender.