Principal, entered interest rate, loan term, monthly payment estimate, total interest, and upfront fees entered by you.
Free comparison utility · No account · Runs locally
Compare loan terms side by side
See how rate, term, and upfront fees change the estimated monthly payment and total borrowing cost of up to three fixed-rate loan scenarios.
Monthly paymentTotal interestFeesTotal paid
Enter the terms you were given
You can compare one, two, or three scenarios. Use labels such as “Credit union,” “Dealer,” or “Bank” if that makes the comparison easier to follow.
Calculated from your entries
Side-by-side comparison
These figures describe the scenarios; they do not rank them.
Read the numbers carefully
What the calculator includes—and what it does not
The payment estimate uses the standard amortization formula for a fixed interest rate and equal monthly payments. Upfront fees are shown separately and added to estimated total paid.
Taxes, insurance, optional products, variable-rate changes, prepayment provisions, late charges, financed fees, or lender-specific payment rules.
APR depends on which charges are finance charges and on timing details. Use the lender's required disclosures when comparing disclosed APRs.
DirectLenderMatch does not determine eligibility, quote rates, rank providers, identify a preferred offer, or tell you which financing to choose. Actual lender disclosures control.
Before accepting financing
Payment size is only one difference between loan terms. Review the actual disclosures for rates, fees, repayment period, prepayment provisions, collateral requirements, optional products, and other conditions. When practical, comparing more than one available source can show how terms differ.