Two sliders. Your realistic APR range and monthly payment, instantly — based on 2026 market data, not teaser rates. When you're ready for your real number, our partner Upstart shows it with a soft pull.
APR ranges reflect published 2026 rates at major online lenders (Upstart, Upgrade, Best Egg, Prosper, SoFi and peers) by credit tier. The national average personal loan APR is ~12% (Federal Reserve G.19). Payments use the standard amortization formula — the same one lenders use.
Score is only one input. Income, debt-to-income ratio, and employment often move your rate more than 20 points of FICO. That's why the range is wide — and why a soft-pull quote beats any estimate, including ours.
Upstart pays us a commission if you get a loan through our link — that's the only way this page earns anything. The math above doesn't change based on that, and you can verify it with our plain calculator.