Calculate monthly payments, total cost, and view a full amortization schedule for any loan type.
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A 50-point score increase can cut your rate by 1–3%, saving thousands over the loan life.
For mortgages and auto loans, putting down more upfront reduces your loan amount and often unlocks better rates.
Shorter terms usually mean lower rates — though monthly payments will be higher.
Comparing multiple offers is the single fastest way to save. Rates can vary by 2%+ for the same borrower.
Paying half your monthly payment every 2 weeks results in one extra full payment per year.
Fees of 1–8% significantly raise the true cost. Choose zero-fee lenders like Marcus or SoFi when possible.