Costs
The one figure that shows what a loan costs
The total amount repayable adds every payment and fee together. Where to find it, and why two offers at the same rate can differ.
One calm place to compare personal loan offers
Say what you need once, and we'll look for lenders that may fit it. We do the comparing; each lender makes its own decision and sets its own terms.
What a personal loan can cover
- Something that came upWhen a bill lands before payday does.
- Medical billsThe share of a bill your insurance left with you.
- A moveA deposit, the truck and the weeks between two leases.
- Repairs around the houseThe roof, the furnace, the leak that can't wait for spring.
- Keeping the car runningThe repair bill that keeps you driving to work.
- Bringing debts togetherOne payment in place of several, when the total cost comes out lower.
From your request to a lender's offer
What happens between telling us what you need and choosing an offer, or none.
First, say what you need
A short set of questions: how much, what for, and a little about you.
Next, we compare lenders for you
We pass your request to lenders whose criteria it may meet. Each one reviews it and decides.
After that, you choose
Any offer comes with the lender's own terms. Take it or leave it; that part is up to you.
Questions people ask
Is Laurel Port Funds a lender?
No. We're a comparison service, not a lender. Lenders review your request and decide for themselves.
Do I pay to use the service?
Using the service is free. Any loan you take carries the lender's rates and fees, which the lender sets and lists in its offer.
Does sending a request affect my credit?
It depends on the lender. Many check credit before making an offer, and a check may affect your score. Each lender's terms say how it works.
How much can I borrow?
It varies. Each lender sets its own amounts, rates and terms, based on your details and its own criteria.
What if I don't want the offer I get?
An offer is yours to take or leave, and you owe us nothing either way.
Who sees the details I give?
We share your details with lenders and partners that may be able to help with your request. Our privacy policy, linked at the foot of this page, explains how.
From the reading room
Applying
Papers to have ready before you apply
Pay stubs, bank statements, proof of address: gathering them first makes each form quicker to finish.
Repayment
A shorter loan or a smaller payment?
How the length of a loan changes what you pay each month and in total.
Debt
Questions to ask before you consolidate
When one payment helps, and when it only spreads the same debt thinner.
Three steps, then the choice is yours
- Tell us what you need
- We look for lenders
- Choose an offer, or none