Compare real personal loan rates in minutes.
See prequalified offers from top lenders side by side — APR, monthly payment, fees and terms in one clean view. One short form, no guessing, no obligation.
A loan comparison marketplace — not a lender or credit-repair service.
- Soft credit check only
- Compare 6+ lenders at once
- 100% free to use
From “what will this cost me?” to a clear answer.
A comparison marketplace — we match you with lenders, we don't lend or decide.
- 1
Tell us what you need
Loan amount, purpose and a few basics. Takes about two minutes.
- 2
We run a soft check
A soft inquiry finds your prequalified offers. It never affects your credit score.
- 3
Compare side by side
Sort real offers by APR, monthly payment or total cost — all in one view.
- 4
Continue with a lender
Pick an offer and finish with the lender. Only then might they do a hard pull.
One soft check beats applying everywhere
Going direct, one by one
- Apply to each lender one at a time
- A hard inquiry with every application
- Hours of repeated forms
- No apples-to-apples view of rates
Comparing on YourFICOFixed
- One short form, one soft check
- No impact to your credit score
- Offers from 6+ lenders at once
- APR, payment & total cost side by side
Built to be on your side
- 256-bitBank-level encryption on every step
- Soft pullChecking rates never affects your score
- 6+ lendersCompared side by side in one place
- Never soldWe don't sell your personal information
How we make money — plainly
Using YourFICOFixed is free. When you choose a lender through us, that lender may pay us a referral fee — it doesn't change the rate you're shown. We surface offers from our lender panel so you can compare, not just the ones that pay us most.
What people use personal loans for
Whatever the goal, comparing first means knowing the real cost before you commit.
Debt consolidation
Roll several card balances into one fixed monthly payment — installment debt isn't weighed by utilization the way revolving balances are.
Home improvement
Fund a renovation or repair without touching home equity. A fixed term means you know the total cost before the work starts.
Major expenses
Medical bills, a move, a car repair — spread a large one-time cost over a schedule that fits your budget instead of a card.
Refinancing existing debt
Already carrying a personal loan or high-APR balance? Compare today's offers against your current rate before another payment goes out.
Credit & loans, in plain language
Straightforward answers to the questions people ask most before checking rates.
This content is educational only. It isn't financial, legal, or credit-repair advice, and it isn't a promise of any particular result. For guidance on your situation, talk to a qualified professional.
No. Seeing your prequalified rates here uses a soft inquiry (also called a soft pull), which does not affect your credit score and isn't visible to lenders reviewing your report.
A hard inquiry is different: it can lower your score by a few points and happens only later, if you choose to proceed with a specific lender and formally apply. We'll always make it clear before that point.
Credit scores weigh the type of credit you carry. Credit cards are revolving credit, and a big factor is your credit utilization — the share of your available card limits you're using. High utilization can weigh on your score.
A personal loan is installment credit: a fixed balance you pay down on a set schedule. Installment balances aren't measured by utilization the same way. Adding an installment loan can also improve your credit mix, a smaller scoring factor. Everyone's profile is different, so results vary.
It can, for some people — but it depends on your situation, and it isn't guaranteed. Using an installment loan to pay down revolving card balances lowers your credit utilization, which is often a meaningful scoring factor.
That said, the new loan is still debt with its own payments, the application may involve a hard inquiry, and running the cards back up can undo the benefit. This is general education, not financial advice — consider talking to a qualified professional about your circumstances.
Prequalification is an early estimate. Based on a soft inquiry and the information you share, lenders show rates and terms you may qualify for. It is not an offer or a guarantee of credit.
Approval comes later, after you formally apply with a lender. The lender verifies your details, usually performs a hard inquiry, and makes the final decision on your rate, terms, and whether to lend. Final numbers can differ from your prequalified estimate.
Hard inquiries generally stay on your credit report for about two years, though they typically affect your score for a shorter period — often around a year.
Soft inquiries, like the one used to show your prequalified rates, are only visible to you and have no effect on your score. Reporting practices can vary by bureau.
Yes — comparing offers is free. When you choose a lender through us, that lender may pay us a referral fee. That doesn't change the rate or terms you're shown.
Because compensation can affect which offers appear and in what order, we keep that disclosure right next to your results. Not all lenders or offers in the market are included.
Neither. YourFICOFixed is a comparison marketplace that connects you with third-party lenders. We don't lend money, we don't make credit decisions, and we are not a credit-repair organization.
We don't repair, fix, or guarantee improvement of your credit score, and prequalification is never a guarantee of approval. Lenders make all lending decisions.
We use the details you provide to match you with lender offers. Your information is encrypted in transit, and we do not sell your personal information.
We share information with the lenders you choose to be matched with so they can present offers. You can request access to or deletion of your data at any time by emailing [email protected].