Personal loan resources
Understand the cost of borrowing before choosing a personal loan. Use these guides to compare offers and consider whether a new monthly payment fits your budget.
Compare APR, not just the payment
APR reflects interest and certain borrowing costs. Compare offers for the same amount and term, and check origination fees and the total amount repayable.
Understand credit inquiries
Checking marketplace offers uses a soft credit pull. A lender may make a hard inquiry when you proceed; read the lender's authorization before agreeing.
Plan for repayment
Include housing, utilities, existing debt payments, and an emergency buffer in your budget. A longer term can lower the monthly payment while increasing total interest.
How are personal loan payments calculated?
Personal loan payments are calculated using three factors: loan amount (principal), interest rate (APR), and loan term (months). The payment includes both principal and interest, distributed evenly across your loan term. Use our loan calculator to estimate your monthly payment based on these factors.
Explore personal loan options
- Personal Loans
- Unsecured Personal Loans
- Personal Loans for Emergency Expenses
- Home Improvement Personal Loans
- Personal Loan Options with Bad Credit
- Debt Consolidation Personal Loans
Guides by state, credit, and amount · Borrowing resources · Blog · Editorial standards · Check my rate
Aria Loans is a free comparison service for unsecured personal loans, not a lender. Compare available offers through a network of 30+ lenders; you are not guaranteed an offer from every lender. Checking offers uses a soft credit pull that does not affect your credit score. A lender may perform a hard inquiry if you proceed. Approval, available amounts, rates, funding times, and terms are not guaranteed and depend on the lender.