FairRateLoans.com — Know Your Rate Before They Name Theirs

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What are you borrowing for?

Pick your situation and we'll point you to the right guide.

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Personal loan

Rates, what to expect, where to shop

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Auto loan (or refi)

New, used, or refinancing

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Debt consolidation

Real options vs disguised traps

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Bad credit — need options

Legitimate paths, not payday traps

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I think my rate is predatory

The 36% line and what to do

Take me to my guide →

Free Tools · No SSN · No Data Leaves Your Browser

Compare offers like a lender sees them.

Three tools that reveal the real cost of any loan — before you sign anything.

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Rate Benchmark Tool

Enter your score range and loan type. See if your offer is fair, average, or predatory.

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Compare offers

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Loan Comparison Calculator

Put up to 3 loan offers side-by-side. See total cost, monthly payment, and which one wins.

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Should I refi?

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Refinance Break-Even Calculator

Find out exactly when refinancing pays off — and if it's worth the hassle.

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🔒 All tools run 100% in your browser. We never collect your SSN, income, or financial data.

Why We're Different

We don't sell your info to lenders.

Most "rate comparison" sites are lead generators. You enter your info and 20 lenders call you. We give you knowledge instead.

✓ Fair rate sources

Credit unions

Member-owned, consistently 2-5% lower

Community banks

Relationship lending, negotiate-friendly

SoFi / LightStream / Marcus

No-fee online lenders (good credit)

NCUA Credit Union Locator

Find credit unions you're eligible to join

CDFI Lenders

Community development lenders for underserved areas

✕ We warn against

Payday lenders

400%+ APR — not a loan, a trap

Title loan companies

300% APR, lose your car when you can't pay

"Guaranteed approval" lenders

The rate is the punishment

Tribal lenders

Operate outside state laws, up to 800% APR

Any lender above 36% APR

Widely recognized predatory threshold

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Don't know your score? Start there — free.

You can't evaluate a rate offer without knowing your credit score. Credit Karma gives you your VantageScore from two bureaus, free, forever.

Check your score free →

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