Answer a few routing questions
Tell us the product type and a range. This is a pre-filter, not an application, and it does not pull credit.
Independent U.S. borrowing education
Compare the full cost of a U.S. loan, not just the payment
Use APR, fees, term, and total repayment from written disclosures. A short pre-filter opens a matching U.S. partner page. FoxyFinance does not lend money, store your answers, or pull your credit.
- No credit pull on this site
- Answers are not stored
- Not a loan application
- Partner links appear only when verified
Comparison checklist
Look beyond the monthly payment
APR and feesCompare like with like
Term and total paidA longer term may cost more
Budget fitLeave room for essentials
Who this site is for
FoxyFinance is for people already living in the United States who want to compare a personal loan, consolidation, or small-business financing before they apply.
Open a matching marketplace
We send you to a verified U.S. partner page for that need. FoxyFinance does not store the answers.
Compare written terms
Read APR, fees, term, and total repayment on the provider’s disclosure before you apply.
Compare by the need in front of you
Each path is two or three questions, then a redirect to the matching U.S. partner. Answers are not saved.
Personal
Personal loans
Two questions, then a U.S. personal-loan marketplace. Not an application and not a credit pull.
ConsolidationDebt consolidation
A short pre-filter opens consolidation options. A single payment is not automatically a lower total cost.
BusinessSmall-business financing
Route to a matching marketplace for inventory, equipment, or working capital. The provider decides eligibility.
U.S. borrowing guides
Plain-language checklists grounded in current CFPB and FTC consumer resources.
Costs
How to compare personal loans without looking only at the payment
A smaller monthly payment can come from a longer term and raise the total you repay. Line up written U.S. offers on the same amount and duration, then read APR, fees, and the total of payments.
BudgetHow to check loan affordability against your real budget
An approval is not a proof that a payment fits your budget. Test the installment against income, fixed essentials, existing debt service, and irregular expenses.
SafetyHow to spot and avoid personal loan scams
Advance fees, guaranteed approval, and pressure to pay by wire or gift card are warning signs of loan fraud. How to verify a lender before sharing sensitive information.
Credit fileHow to review your credit report before applying for a loan
Check your credit file for errors, unauthorized accounts, and reporting inaccuracies before a hard inquiry. Dispute mistakes in writing with the three nationwide bureaus.
FeesHow an origination fee changes personal loan comparisons
An origination fee deducted from loan proceeds reduces the cash you take home while leaving you responsible for interest on the full amount. How to calculate net funding.
InquiriesPrequalification compared with a hard credit inquiry
A pre-qualification soft pull allows you to preview estimated rates without impacting credit scores. Learn the difference before submitting a full application.
Is FoxyFinance a lender?
No. FoxyFinance publishes independent borrowing education and advertising content. It does not lend money, broker loans, or decide approval.
Does the private comparison submit an application?
No. Answers stay in this browser session so you can prepare a summary. They are not sent to a lender.
What should I compare besides the monthly payment?
Read the written disclosure for APR, fees, term, due dates, late-payment terms, and total repayment. A longer term can lower the payment and raise the total cost.
When do partner links appear?
Only after a verified route exists. A partner link is advertising, not a quote, approval, or advice to borrow.