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.

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. 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

What your state decides

What a loan costs depends on your credit file, but the ceilings and licensing duties that shield borrowers come from state law. Every number we print carries the name of the body that issued it and a link to the original.

Every figure carries a source

Each rate ceiling, licensing rule and population count shows who published it, with a link to that source. Where a figure cannot be confirmed, the link stands in for the number — we do not estimate.

Browse state rules

Stays on your device

The math happens on your device, and no keystroke leaves it. We never see your figures and we never touch your credit file. Work out the payment before you sign anything.

Not a lender, not a broker

Personalloaner takes no applications and issues no credit decisions. What we publish is free: calculators, plain-English guides and state lending reference drawn from primary sources.

Common questions

How is Personalloaner funded?
The site runs on referral fees. Some of our outbound links are affiliate links: if you follow one and complete an application, a lending partner may pay us. That payment never alters the rate you are offered or the material we publish. See our affiliate disclosure for the detail.
Is Personalloaner a lender or a broker?
Neither. We do not lend, we do not broker, and we do not offer credit repair. What we provide is a set of calculators, guides and sourced state data, so you can judge offers from lenders you approach yourself.
Will using this site leave a mark on my credit file?
It will not. No credit check is run here and no application is taken. Any inquiry is between you and a lender you choose; most marketplaces pre-qualify with a soft pull, which leaves your score untouched.
What APR should I expect on a personal loan?
The honest answer is that it varies too much to quote: credit history, amount and term all move it. So instead of printing a number we cannot stand behind, we walk through how APR is assembled and point you to the Federal Reserve's published consumer-credit data for current levels.