Know the real cost before you sign. Explore published loan costs and terms, with plain-English guides to the trade-offs.
Three providers in score order. APR figures come from supplied catalogue data and are not a quote. Your APR depends on the lender’s assessment and your state; confirm it in the lender’s own disclosures before you sign.
3 US providers, ordered by Sherpa Score
First Tech Federal Credit Union
Amount (USD) $500– $50,000
Term 6–84 months
Funding 1–3 days Provider details
Products Personal, Car finance, Mortgage, Credit card, Business
Regulator field NCUA
Prequalification field Soft search
Website firsttechfed.com
Trustpilot field (undated) 4.9 · 4,613 reviews supplied Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.
Amount (USD) $5,000– $50,000
Term 24–60 months
Funding 1–3 days Provider details
Products Personal, Consolidation
Regulator field State-licensed lender / NMLS
Prequalification field Soft search
Website achieve.com
Trustpilot field (undated) 4.8 · 12,384 reviews supplied Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.
Amount (USD) $2,500– $25,000
Term 36–60 months
Funding Next day Min. age 18 Secured in catalogue Provider details
Products Personal, Consolidation
Regulator field NMLS
Prequalification field Soft search
Website reprisefinancial.com
Trustpilot field (undated) 4.7 · 23,356 reviews supplied Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.
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Explore Personal loans → Debt consolidation → Car finance → Credit cards → Mortgages → Our guides explain APR, the total cost of credit and when not to borrow under UK rules. They are written for UK borrowers.
How we compare
A score is a starting point. Our published formula uses available APR, transparency and Trustpilot data. Missing inputs are omitted and the remaining weights rebalanced.
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