In the USA, a small-loan comparator lines up short-term, small-dollar offers (typically a few hundred to a few thousand dollars) from multiple lenders so you can see true, apples-to-apples costs before you apply.
In the USA, with the mini loan comparison calculator, you enter the amount, term, and a few basics about your situation; the tool then standardizes results with the same key metrics: APR, monthly payment, total of payments, fees (origination, late, NSF), funding speed, and whether there’s a prepayment penalty (many personal loans don’t have one).
Good comparators also run pre-qualification using a soft credit check (so your score isn’t affected) and optional bank-account connections (e.g., payroll/transaction verification) to estimate approval odds and fit.
You can sort by lowest total cost, fastest funding, longest term, or highest likelihood of approval and filter for things like no origination fees, direct-to-debit payoff, or co-applicant support.
What types of small loans are available in the United States?
Types of Small Loans in the United States