Amount financed
The amount of credit actually provided after prepaid finance charges.
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Personal loans
A lump-sum consumer loan repaid in scheduled installments, usually without collateral and usable for many personal expenses.
Read the guide → Everyday borrowingSecured personal loans
A personal loan backed by an asset or deposit that the lender may claim if the borrower defaults.
Read the guide → Everyday borrowingDebt consolidation loans
A personal loan used to repay multiple debts, replacing them with one scheduled payment.
Read the guide → Everyday borrowingCredit-builder loans
A small installment loan designed to establish payment history, with proceeds commonly held until repayment is complete.
Read the guide → Everyday borrowingConsumer installment loans
Closed-end credit repaid through multiple scheduled payments rather than one balloon payment.
Read the guide → Short-term & high-costPayday loans
A small, short-term, high-cost loan commonly due on the next payday or income date.
Read the guide → Short-term & high-costAuto title loans
A loan secured by a vehicle title, often short-term and high-cost, with repossession risk after default.
Read the guide → Short-term & high-costPawn loans
A short-term loan in which a pawnbroker holds personal property until the borrower repays or allows the item to be sold.
Read the guide → Vehicle financingAuto loans
Financing used to buy a new or used vehicle, with the vehicle securing repayment.
Read the guide →The same loan can change across state lines
Check the rules where you live.
Rate limits, lender licensing, payday availability, repossession, foreclosure and collection rules can differ by state.
Browse all state guides 51 guides
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Five numbers matter more than the monthly payment.
A payment can look small because the term is long or fees are hidden elsewhere. Read these figures together.
APR
A standardized annual cost measure that includes interest and certain fees.
Finance charge
The dollar cost of credit disclosed for covered transactions.
Total of payments
How much all scheduled payments add up to if paid as agreed.
Payoff date
When the obligation ends—and whether any balloon amount remains.