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Loan calculators, state-by-state lending rules, and a private debt tracker for U.S. borrowers. We also refer consumers to state-licensed lenders where permitted — but the tools are free and work whether or not you ever borrow anything.

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Written and maintained by Robert Pokladow · Threads

Loan amounts

$500 loan
$1,000 loan
$1,500 loan
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$3,000 loan
$5,000 loan
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Important disclosure: StraightSum is not a lender, loan broker, or credit services organization. We do not make credit decisions, issue funds, set rates or fees, guarantee approval, or service loan accounts. Loan availability, amounts, APRs, fees, repayment terms, credit checks, and funding times vary by state, lender, and applicant. Always review the lender's Truth in Lending disclosures and verify licensing through NMLS Consumer Access before signing.

Rates: Installment loans: 6.63% to 225% APR. Personal loans: 4.99% to 450% APR. Short-term (cash advance): 200% to 1386% APR. Actual rates depend on the lender, the amount, the term, your creditworthiness, and applicable state law.

Short-term and small-dollar borrowing can be expensive. Late or missed payments may result in additional charges, bank fees, collection activity, or negative credit reporting. Consider payment plans, credit-union products, employer advances, nonprofit assistance, and credit counseling before borrowing.

StraightSum is an independent publisher and referral service. We are not a lender, a loan broker, a loan servicer, a credit services organization, or a subsidiary, agent, or affiliate of any lender or lead network. Forms hosted on this site by third-party providers are clearly identified as such.

© 2026 StraightSum. All rights reserved. Operated from California. Serving consumers in all 50 U.S. states and the District of Columbia, where permitted by law.