Your guide to smarter financial decisions
Expert-written guides, free calculators, and transparent rate comparisons to help you save money on loans, credit cards, and more.
Credit Scores
Build, repair, and optimize your credit
Debt Management
Strategies to pay off and consolidate debt
Personal Loans
Compare rates, terms, and lender reviews
Mortgages
Home buying, refinancing, and equity guides
Business Finance
Funding, cash flow, and growth strategies
Auto Loans
New, used, and refinance auto financing
Credit Cards
Rewards, balance transfers, and 0% APR
Calculators
Loan, mortgage, savings, and debt tools
Free financial calculators
Run the numbers before you commit. Our calculators help you understand payments, compare options, and plan your financial future.
Loan Calculator
Calculate monthly payments and total interest for any loan amount, rate, and term
Debt Payoff Planner
Compare avalanche vs. snowball methods and see your payoff timeline
Refinance Analyzer
Find out if refinancing saves you money after accounting for closing costs
Savings Calculator
Model compound interest growth with regular contributions over time
Latest guides and articles
In-depth, expert-written content to help you navigate major financial decisions
First-Time Home Buyer's Guide to Mortgages
Everything you need to know about getting your first mortgage, from pre-approval to closing costs.
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Best Credit Cards for Cash Back in 2026
Our experts reviewed hundreds of cards to find the best cash back rewards programs for different spending habits.
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How to Refinance Your Mortgage and Save Thousands
Learn when refinancing makes sense and how to calculate your break-even point to maximize savings.
Read articleUnderstanding Personal Loan Interest Rates
Discover what factors affect your personal loan APR and how to qualify for the best rates available.
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Auto Loan Tips: How to Get the Best Deal on Your Next Car
Expert advice on negotiating auto loan rates, understanding dealer financing, and timing your purchase.
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Building an Emergency Fund: A Complete Guide
A complete guide to building your financial safety net, including how much you need and the best accounts to use.
Read articleToday's illustrative rates
A snapshot of competitive rates currently available. Actual rates depend on your credit profile and the lender you choose.
Rates shown are for illustrative purposes only. Actual rates vary based on your credit profile, loan amount, and lender. Not all applicants will qualify for the lowest rates. See our disclaimer for details.
How to make the most of FundingPoint
Start with education, not applications
The biggest mistake people make when shopping for a loan or credit card is applying before they understand their options. A 30-minute investment in reading our guides on credit scores, loan types, and rate comparison strategies can save you thousands of dollars over the life of a loan. Our editorial team of financial writers produces in-depth, independently researched content covering every major lending category -- from first-time home buyer guides to business loan comparisons to debt payoff strategies.
Use the calculators to model scenarios
Before you compare actual rates, use our free calculators to understand how loan terms, interest rates, and payment amounts interact. For example, you might discover that a 48-month auto loan at 5.5% saves you $2,400 compared to a 72-month loan at 6.5%, even though the longer loan has a lower monthly payment. Running these numbers first helps you know exactly what to look for when you compare real offers.
Compare offers from multiple lenders
When you are ready, our comparison tools let you see personalized offers from lenders in our network of 300+ financial institutions. The initial rate check uses a soft credit inquiry, so there is no impact to your credit score. You can compare APRs, monthly payments, fees, and loan terms side by side. We recommend comparing at least three offers before making a decision. Our rates page shows current illustrative rates across all product categories to give you a sense of what is available.
Understand how we operate
FundingPoint is free for consumers. We earn revenue through referral fees from lending partners when users choose to apply for products through our platform, and through display advertising. Compensation from partners may influence which products appear on our site and in what order, but our editorial content is produced independently and is never influenced by advertising relationships. Not all available financial products are represented. For complete details, see our About page and Financial Disclaimer.
Frequently asked questions
Everything you need to know about using FundingPoint
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