FairRate Today is an independent comparison and education site for U.S. consumers who are shopping for a personal loan or auto insurance. Our goal is simple: help you see the real cost of a product (APR, fees, term, coverage limits and deductibles) before you hand over your information to anyone.
What we do
- Explain how products work. We write plain-English guides on APR, origination fees, prequalification, coverage types, deductibles and the other details that change what you actually pay.
- Compare options side by side. When we list providers, we show the facts that matter for comparison: published APR ranges, loan amounts, repayment terms, credit requirements, and for insurance, who a company is a good fit for and which discounts it offers.
- Give you tools. Our free calculators let you test payments, total interest and the real effect of fees before you apply.
What we don’t do
- We are not a lender, broker or insurance agency. We do not make credit decisions, issue policies or collect loan applications on this site.
- We do not promote payday loans, title loans, loans that must be repaid in full within 60 days, or personal loans with an APR of 36% or higher.
- We do not sell your personal information. See our Privacy Policy.
Why “fair rate”?
A fair rate is not always the lowest advertised rate. It is the rate you can actually qualify for, with the fees and terms disclosed up front, on a payment you can afford. Many advertised rates are available only to borrowers with excellent credit; we try to show the full range and explain what moves you within it.
How we make money
FairRate Today is free to use. We may earn a commission when you click a link to a partner and get a quote, apply, or are approved, and we may display advertising. Compensation can influence which products appear on a page and where, but it does not change the facts we publish or our editorial ratings. Read our full Advertiser Disclosure.
How we keep content accurate
Every guide is written and reviewed under our Editorial Policy and our product evaluations follow a published Methodology. Pages show the date they were last updated. Rates and terms change frequently, so we review rate tables regularly and correct errors as soon as we find them.
Who runs FairRate Today
FairRate Today is operated by AdBic Limited, a company registered in Hong Kong, and is written for readers in the United States.
Contact us
Questions, corrections or partnership requests: [email protected], or use our contact page.