Loans.net

Compare rates from top lenders in minutes.

Pick a product to see real, prequalified rates available to you — with no impact to your credit score.

What are you looking for?
Personal Loans Bad Credit Mortgage Business Debt Help

Trusted by top lenders

SoFiLightStreamDiscoverUpstartProsperUpgrade
Actual prequalified rates

If it isn’t a real rate, it isn’t here.

No mysteries. No bait-and-switch. You see real prequalified rates for loans actually available to you.

  • Personalized rates based on your credit profile
  • No impact to your credit score to check
  • 100% free to compare
See my rates
Example result
Loan amount$18,000
Est. monthly payment$352
Best rate found6.99% APR
Lenders matched7
No spam, no surprises

Designed to protect your privacy.

Our marketplace is built to defend you from unwanted marketing and pushy sales calls. We limit the data we collect and only share it with your permission.

  • We only share your details with lenders you choose
  • Bank-level encryption on every request
  • Clear cost breakdowns with no hidden fees
🔒 Data sharedOnly with your OK
🛡 Encryption256-bit SSL
🚫 Sales callsBlocked by default
How it works

Three steps to a better rate.

Fill out one simple form and instantly see which lenders you prequalify for.

1

Tell us what you need

Choose a product and answer a few quick questions. It takes about two minutes.

2

Compare real offers

See prequalified rates from multiple lenders side by side — no credit impact.

3

Choose and apply

Pick the lender that’s right for you and finish your application online.

Our products

Find the right loan for your goal.

Compare options across every major lending category.

Personal Loans

6.99% APR rate from

Consolidate debt or fund a big goal with a fixed monthly payment.

💰 $1k–$100k📅 12–84 mo
Find my rate

Home Loans

5.85% APR rate from

Compare mortgage lenders and lock a rate that fits your budget.

💰 Up to $2M📅 10–30 yr
Find my rate

Auto Loans

4.90% APR rate from

New, used, or refinance — get financing before you shop.

💰 $4k–$150k📅 24–84 mo
Find my rate

Student Loans

4.44% APR rate from

Cover up to 100% of certified school costs after aid.

💰 Up to cost📅 5–20 yr
Find my rate

Business Loans

7.25% APR rate from

Working capital and expansion funding for growing businesses.

💰 $5k–$500k📅 6–60 mo
Find my rate

Credit Cards

0% intro rate from

Earn rewards, build credit, and manage balances.

💰 Varies📅 Ongoing
Find my rate

Rates shown are the lowest advertised APRs offered to the most qualified applicants and were last reviewed on 15 September 2026. They are not an offer of credit and are subject to change. Your actual rate is set by the lender and depends on your credit profile, loan amount and term. Loans.net is a marketplace, not a lender.

Support & resources

Frequently asked questions

Loans.net is a marketplace that lets you compare financial products from multiple providers side by side. We are not a lender — we partner with top providers so you can quickly find the right option for your needs. Comparing rates is completely free.

No. We use a soft credit inquiry to show your personalized prequalified rates, and soft inquiries do not affect your score. A hard inquiry only happens later, if you choose to move forward with a specific lender.

Many sites only show generic information. With Loans.net you fill out one streamlined form and instantly see which lenders you prequalify for and at what rates — personalized to your credit history.

We receive compensation from a lender only if you complete the process and a loan is disbursed. That compensation does not change how or where lenders appear in your results, and we never charge you fees.

Ready to see your real rate?

It takes about two minutes and won’t affect your credit score.

Get started — it’s free