A practical next step · Free borrowing tools

Compare loan offers, side by side

Put three written offers in one place. Model fixed monthly payments, compare quoted APRs and keep your scenarios on this device.

Your offers, in one clear view

Need to account for a withheld or financed fee? Use the equal-cash comparison.

Start with illustrative examples, then enter your written figures. USD only. Required fields use a fixed note rate and a whole number of months. Enter withheld fees separately from fees you pay out of pocket.

Offer A
Offer B
Offer C

Illustrative inputs. Select Compare to calculate.

Saving is optional and uses browser storage on this device. Avoid personal information in nicknames. Saving again replaces your previous set. Browser clearing can remove it; shared-device users may see it. Inputs are not sent to FinToku or a lender.

Keep the comparison fair

Use the same loan amount, repayment frequency and term where possible. Record when each offer was issued and whether the interest rate can change. This workspace models fixed, fully amortizing loans with end-of-month payments. It does not model adjustable rates, balloon payments or irregular first periods.

Read the quoted APR separately

Enter the lender’s disclosed APR as a reference. The model uses the note interest rate for payment calculations; it does not derive a regulatory APR. Upfront fees here are paid separately and are not financed or deducted from the principal. Do not enter a fee twice.

Look beyond the lowest payment

Check the modeled interest, cash fees and total outlay alongside early-repayment terms, insurance, optional products and the cash you receive. Taxes, escrow, insurance, late fees and rate changes are excluded. A lower modeled cost is not an endorsement or approval estimate.