No. I
A loan is a negotiation.
The first number a bank shows you is rarely the best one. Lenders compete; rates vary. Quietly asking around — with a soft inquiry that leaves no mark — is almost always worth two minutes.
Tuesday, April 28, 2026Vol. MMXXVI · Issue 04
Money Savvy
A quieter way to think about money.
The marketplace · Est. 2020
A smarter way to compare personal loan rates.
Three real offers, side by side, in language you can read. A soft credit inquiry leaves no mark. $1,000 to $100,000.
50+
Lending partners
Soft pull
No credit impact
$1k–$100k
Loan amounts
Begin here
What is the loan for?
Consolidate what I owe
One loan. One payment. One ending date.
Pay off my credit cards
Replace 27% APRs with a fixed rate.
Home improvement
Renovations, repairs, considered additions.
A major purchase
A vehicle, a wedding, a medical expense.
Something else
Tell us what you are financing.
Checking your rate won't affect your credit score.
Among our lending partners
— and approximately fifty more.
A reader writes —
“My bank quoted me twelve percent. I assumed that was the rate. Two minutes here turned up an offer almost three points lower, with a shorter term. I have no idea why I waited so long.”
Margaret L.
Architect, Portland
Our principles
Four things we believe about borrowing.
No. II
Simplicity is a feature.
Three real offers, side by side, in language you can read. APR, payment, term, fee. No hidden origination, no twenty-question marketing funnel before you see a number.
No. III
Your credit is yours.
Shopping your rate should not cost your score a single point. Every comparison here is a soft pull. A hard inquiry only ever happens if you decide to formally apply with the lender you like best.
No. IV
The math is the point.
We surface the four numbers that actually matter — APR, monthly payment, term length, total cost of credit — and let you choose on your own terms. No pressure. No spin.
“I'd been paying twenty-four percent on three cards for years. Rolled them into a single loan at eleven. The relief was immediate, and the math is finally working in my favor.”
David K.
Editor, Brooklyn
“Refreshingly straightforward. Three offers, no theatrics, every fee disclosed. I picked the one with the term I wanted and the money was in my account by Thursday.”
Priya S.
Veterinarian, Austin
Take two minutes
See what the right offer looks like.
Three real offers. No impact to your credit. No obligation.
Consolidate what I owe
One loan. One payment. One ending date.
Pay off my credit cards
Replace 27% APRs with a fixed rate.
Home improvement
Renovations, repairs, considered additions.
A major purchase
A vehicle, a wedding, a medical expense.
Something else
Tell us what you are financing.
Checking your rate won't affect your credit score.
A soft inquiry. The hard inquiry only happens if you decide to apply with a lender.
Your information is held in confidence and will never be sold.
Personal loan disclosure
Money Savvy is not a lender. We are a marketplace that introduces consumers to participating lenders. Rates, amounts, and terms vary by lender, your credit history, and other factors.
- Loan amounts
- $1,000 – $100,000
- Repayment terms
- 3 – 84 months
- Min APR
- 5.99%
- Max APR
- 35.99%
- Origination fees
- 0% – 10% of the loan amount
- Late fees
- May apply; vary by lender
Representative example — a $10,000 loan over a 36-month term at an 18.99% APR has an approximate monthly payment of $366.39 and a total cost of $13,190.04, including interest and a $500 origination fee.
Your actual APR depends on your credit score, income, and other factors. Only borrow what you can afford to repay.
California residents — California Financing Law disclosures available upon request.