10 free borrowing comparison tools: personal loans, credit cards, overdrafts, debt consolidation, student loans, and more. All processing happens locally in your browser.
Borrowing money costs more than just the interest rate — fees, terms, and repayment structures all matter. Our free loan comparison tools help you evaluate personal loans, credit cards, overdrafts, and other borrowing options side by side, so you can choose the most affordable option.
Personal loans — a 2% difference in APR can mean hundreds of pounds extra over a 5-year loan. Compare two loans to see monthly payments and total interest costs instantly.
Credit cards and overdrafts — 0% purchase cards, balance transfer offers, and arranged overdrafts all have different costs. Our tools help you calculate which option saves you the most money based on your spending and repayment habits.
Debt consolidation and student loans — combining multiple debts into one loan can simplify payments, but does it save you money? Compare your current debts against a consolidation loan. Student loan graduates can compare repayment plans (Plan 1, 2, or 5) to understand monthly deductions and total repayment amounts.
Secured vs unsecured, guarantor vs standard — different loan types have different risks and costs. Our comparison tools help you weigh the trade-offs between interest rates, loan amounts, and security requirements.
All calculations process locally in your browser — no financial data is ever sent to our servers. Whether you're taking out your first loan or consolidating debt, these tools provide instant, accurate comparisons.
Compare monthly payments, total interest, and APR
Purchase APR, fees, and minimum payments compared
Which is cheaper for short-term borrowing?
Savings from interest-free period
Compare transfer fees and interest savings
Current debts vs single consolidation loan
Compare rates, amounts, and risks
Cost comparison for short-term borrowing
Compare monthly deductions and total repayment
Lower rate vs requiring a guarantor