Check the receipt before you shop
Planning holiday purchases? See the full cost of borrowing, line by line, before you decide.
Pick an amount and a term. The example shows your monthly payment, total interest and what you'd repay in total.
- Soft credit inquiry to check options
- Free to compare
- Terms shown before you sign
Loan receipt
- Loan amount
- Example APR
- Term
- Total interest
- Estimated total repayment
Representative example only, not an offer. Your actual APR, fees and payment are set by the lender based on your credit and income.
Continue with this amountChecking options uses a soft inquiry and doesn't affect your credit score.
Repayment schedule
How each example payment splits between principal and interest, and how the balance goes down over time.
| Payment | Principal | Interest | Remaining balance |
|---|
Compare terms
Example payments for across every available term. A longer term lowers the monthly payment but increases total interest.
| Term | Monthly payment | Total repayment | Total interest |
|---|
What happens next
Three steps after you continue.
Fill in a short form
Enter basic details using the amount and term you chose above. It takes a few minutes online.
We look for a match
Your details are shared with lenders in our network, who check eligibility using a soft credit inquiry.
Review the lender's offer
If a lender makes an offer, you see the exact APR, fees, term and payment before you sign anything. You're free to decline.
Questions and answers
Should I use a loan for holiday shopping?
Only if the payment fits your monthly budget. Use the calculator to see the full cost, including interest, and compare it with paying from savings. A loan for purchases costs more than the sticker price.
Will checking my options affect my credit score?
No. Checking options uses a soft inquiry, which doesn't affect your score. If you accept an offer, the lender may run a hard credit check before funding — they'll tell you before that happens.
How long does it take?
Many people see whether they have options within minutes of finishing the form. If you accept an offer, funding timing depends on the lender and your bank, often within one to a few business days.
What do I need to start?
Basic information such as your name, address, income and a bank account. You must be at least 18 years old and a US resident.
Are there fees?
Comparing options through EasyLoansNow is free. Any rate, origination fee or other cost is set by the lender and disclosed to you before you accept.
How much can I borrow?
Requests range from $200 to $5,000 with terms from 12 to 48 months. The amount and rate you're offered depend on your credit profile, income and the lender.
Can I pay off my loan early?
Many lenders allow early repayment without a penalty, which reduces the interest you pay. Check the prepayment terms in your loan agreement before you sign.
See your options with these numbers
Continue with this amountSoft inquiry only. No obligation to accept.