Financing · Loan comparison
Home improvement loan comparison calculator
Got multiple loan offers for a kitchen, bathroom, roof, or other home project? Use this loan comparison calculator to see monthly payments, total interest, fees, and the true total cost side-by-side — before you choose a lender.
Enter your loan offers to see which one really costs less
For each offer, plug in the loan amount, APR, term, and any origination fee. The tool calculates monthly payment, total interest, and total cost (principal + interest + fees) and flags the lowest-cost option.
Loan Comparison Calculator
Compare up to 4 home improvement loan offers side-by-side to find the best deal for your project.
Side-by-side comparison
| Metric |
|---|
| Monthly payment |
| Total interest |
| Origination fee (amount) |
| Total cost (principal + interest + fees) |
| Effective APR (incl. fees) |
Total cost comparison (lower is better)
Understanding your comparison
Effective APR
The true cost of the loan including fees. This is often higher than the advertised APR when origination fees are included.
Total cost vs payment
A slightly higher monthly payment with a shorter term can still be cheaper overall if it reduces total interest paid.
Term length trade-offs
Longer terms mean lower monthly payments but more total interest. Use this tool to see where the sweet spot is for your budget.
Origination fees
Two loans with the same rate can have very different total costs if one charges a higher fee. Don’t ignore the fee line item.
Ready to see live home improvement loan offers?
After you’ve compared example scenarios here, open the green “Financing Available” button on this page to check real offers without affecting your credit (in most cases).
Check your ratesUse the green “Financing Available” bubble to see live offers
Once you find a payment and total cost you’re comfortable with in the calculator, you can check real home improvement loan offers on this page.
Where to click next
Look for the green “Financing Available” button pinned to the bottom-right corner of your screen. Click it to enter your project amount and see offers from multiple lenders, typically with a soft credit pull first (always confirm in the widget).
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