Find & compare finance companies in one marketplace
Browse loans, credit, and funding offers advertised by independent companies. GoFunding.Shop is an advertising marketplace — not a lender, bank, or broker.
How to compare loan offers before you apply
- Not a lender, bank, or broker
- Paid placement is always disclosed
- Every listing is reviewed before it goes live
Every company on GoFunding.Shop sets its own rates, fees, and approval criteria, so two offers for the same amount can cost very different totals. Comparing them well means looking past the headline number.
Start with the annual percentage rate rather than the interest rate, because APR folds in most origination fees and gives you a like-for-like figure. Then look at the term: stretching a loan over more months usually lowers the monthly payment while raising the total interest you pay. Multiply the monthly payment by the number of payments to see the real cost of each option side by side.
After that, check the details that never show up in a rate table — origination or application fees, prepayment penalties, late fees, whether the rate is fixed or variable, and how quickly the company says it typically responds. Secured borrowing may be advertised at a lower rate because you pledge collateral, which is a genuine trade-off rather than a free discount.
Finally, know where you stand before you apply. Your credit range, income, and existing debts all affect what a company will actually offer, and advertised figures are examples rather than offers of credit.
Companies may pay GoFunding.Shop for advertising placement, featured listings, sponsored content, or enhanced visibility. Paid placement may affect how listings appear on the website. GoFunding.Shop does not endorse or guarantee any advertised product or company.
Compare offersBrowse by category
All categories →Guides to how borrowing works
All guides →Before you compare companies, it helps to understand the product. Our guides explain how loan rates are set, how mortgage, auto, home equity, personal, student, and consolidation borrowing differ, and what to check before you apply — in plain English, with no sales pitch.
How loans and interest rates work
Compare two options side by side
Before you apply
Financing a specific purchase
Common questions
See all FAQs →How do I compare loan offers from different companies?
Line the offers up on the same three numbers: APR, term length, and total amount repaid. APR includes most fees, so it compares more fairly than the interest rate alone. Then check origination fees, prepayment terms, and whether the rate is fixed or variable. Confirm the details with each company before you apply.
What is the difference between an advertising marketplace and a lender?
A lender reviews your application, decides whether to approve it, and lends you the money. An advertising marketplace publishes what independent companies advertise so you can compare them in one place. GoFunding.Shop is the second kind: we make no credit decisions, set no rates, and receive no application. You apply with the company you choose.
Does comparing offers on this site affect my credit score?
Browsing listings and reading guides has no effect on your credit, because nothing is checked. What can affect your score is what happens after you contact a company: some run a soft inquiry for a quote and a hard inquiry when you formally apply. Ask each company which type it uses.
Why do advertised rates differ so much between companies?
Companies price risk differently and target different customers. Credit history, income, loan amount, term, collateral, and where you live all feed into the figure a company advertises, and each one weights them its own way. Advertised rates usually reflect the strongest applicants, so treat them as a starting point rather than a quote.
What should I check before submitting a request form?
Confirm the company is licensed to operate in your state, read what it says about fees and prepayment, and note how it plans to contact you. Check the product type matches what you need. Submitting a form shares your details with that company so it can follow up; it is not an application and not an approval.
Which type of loan fits what I am trying to pay for?
Purpose usually points to the product. Vehicles are financed with auto loans, homes with mortgages, home projects with equity borrowing or renovation loans, education with student loans, and general expenses with personal or installment loans. Combining existing balances is what consolidation is for. Browsing by category shows which companies advertise each type.
Are you a finance company?
List your company, advertise your products, and receive consumer inquiries. Plans start at $29/month.
Disclaimer: Information on this page is for general educational and advertising purposes only. GoFunding.Shop is not a lender, broker, bank, credit repair company, or financial advisor.