Rates updated today at 9:00 AM ET
Compare 40+ lenders in one place. See your rate, every fee and your monthly payment before you share a single document.
No hard credit check
3 minute estimate
Licensed broker PR-0418
Today’s rates
Home purchase
6.12
%
Refinance
5.94
%
Home equity
7.45
%
Personal loan
8.99
%
Business loan
9.25
%
Auto loan
5.49
%
Updated Oct 10, 2026 · 9:00 AM ET
Why Plainrate
We work for you, not the lender.
We compare offers from more than 40 lenders and show you the three with the lowest total cost. Every fee is in dollars, on one page, before you apply.
Saved $214 a month
Closing
Day 17 of 21
Keys expected
Oct 31
lenders compared for every application
Banks
Credit unions
Online lenders
$0
broker fee on home, personal and auto loans
Lenders pay us 0.5% to 1%, shown on your estimate.
Soft check, no score impact
See your real rate with a soft credit pull. A full check only happens when you choose an offer.
days
from application to keys, on average
Apply
Approve
Close
Loan Studio
Know your number before you talk to anyone.
Five free tools that do the math for you: your payment, how much you can borrow, what paying extra saves, two loans side by side, and a quick eligibility check.
Payment
Borrowing power
Prepayment
Compare
Eligibility
Loans
Six loans. Every number up front.
Rates, fees and time to fund for each loan, updated every weekday morning. Pick one to see the full breakdown.
Home loan
Home purchase
Fixed and adjustable mortgages from 40+ lenders, with the full cost shown before you apply.
Rate from
6.12
%
APR from
6.24
%
21 days on average
Home loan
Refinance
Lower your rate, shorten your term or switch to fixed. We show the break-even month up front.
Rate from
5.94
%
APR from
6.05
%
18 days on average
Home loan
Home equity
Borrow against your home for renovations or big costs, and pay interest only on what you use.
Rate from
7.45
%
APR from
7.62
%
14 days on average
Personal
Personal loan
Fixed payments for debt consolidation, weddings or big purchases. Check your rate with a soft credit pull.
Rate from
8.99
%
APR from
9.49
%
2 business days
Business
Business loan
Working capital, equipment and expansion loans for businesses with 12 months or more of trading.
Rate from
9.25
%
APR from
9.80
%
7 business days
Vehicle
Auto loan
New and used car loans with fixed payments. Get pre-approved before you visit the dealer.
Rate from
5.49
%
APR from
5.69
%
1 business day
in loans arranged since 2014
families and owners helped
days to close, on average
rating from 1,240 reviews
Watch a loan come together.
Every estimate we send follows the same five lines. You see each number before you share a single document.
- 01How much you need
- 02Your rate and APR
- 03Every fee, in dollars
- 04Your monthly payment
- 05Your rate, locked in
Stories
Real borrowers. Real numbers.
What people saved, how long it took and what surprised them. Every story comes with the figures behind it.
Average from 1,240 reviews
We were told we needed 20% down. Plainrate found us a 10% option and showed the full cost of both, side by side. We closed in 19 days.
$38,500
less needed up front
Maya and Tom R.
Austin, TX
I had no idea my rate had crept up. They showed me the break-even month before I signed anything, and I have saved money every month since.
$214
saved every month
Grace L.
Denver, CO
We needed a new oven before the holiday rush. We had three offers in two days and the money in seven.
$85,000
funded for a new oven
Ana and Luis P.
Brooklyn, NY
Advisors
Talk to a licensed advisor.
Real people with licenses you can look up. Book a 20 minute call, or ask a question by email. No sales script.
FAQ
Questions, answered plainly.
Short answers to what people ask us most. Still unsure? Call an advisor, it is free.
Talk it through
Mon to Fri 8am to 7pm ET. Average wait under 2 minutes.
Free and no obligation
Know your number in 3 minutes.
Answer a few questions and see your rate, every fee and your monthly payment. A soft check only, so your score stays the same.