SoFi
Best Overall
8.99% – 29.99%
APR
- No origination fees
- Unemployment protection
- Same-day funding available
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Compare Financial Products That Actually Work For You
GetEasy helps you find the best loans, mortgages, credit cards, and insurance in the USA and Canada. Unbiased editorial ratings. No hidden fees. Just the right product for your situation.
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Compare Every Financial Product
Whether you're in the USA or Canada, we compare the most important financial products side by side so you can make an informed decision.
Editorial Picks
Best Financial Products of 2026
Our editorial team evaluates hundreds of lenders and issuers each year. These are the top-rated products across every major category.
Lender
Rating
APR Range
Key Highlights
Apply
LightStream
Lowest Rates
7.49% – 25.49%
APR
- Rate Beat Program
- No fees whatsoever
- Same-day funding
Upgrade
Best for Bad Credit
9.99% – 35.99%
APR
- Accepts fair credit (560+)
- Fast decisions
- Free credit monitoring
* Rates shown are representative estimates. Your actual rate depends on creditworthiness, loan amount, and term. GetEasy may earn compensation from partner lenders. See disclosure.
Lender
Rating
APR Range
Key Highlights
Chase
Chase
Best Overall
6.49% – 7.89%APR (30-yr fixed)
- $2,500 homebuyer grant
- Rate lock guarantee
- In-person and online
Rocket
Rocket Mortgage
Best Online
6.59% – 8.12%APR (30-yr fixed)
- Fully digital process
- Fast pre-approval
- Multiple loan types
* Mortgage rates change daily. Shown APRs are for illustrative purposes. Consult a licensed mortgage professional. See disclosure.
Card
Rating
APR Range
Key Highlights
CapOne
Capital One Venture
Best Rewards
19.99% – 29.99%Variable APR
- 2x miles on every purchase
- No foreign transaction fees
- $200 welcome bonus
* Welcome bonuses are available to new cardmembers only. See disclosure.
Lender
Rating
APR Range
Key Highlights
Earnst
Earnest
Best Refinance
4.99% – 9.74%Variable APR (refi)
- Skip a payment option
- No origination fee
- Flexible repayment terms
* Refinancing federal loans may eliminate federal protections. See disclosure.
Lender
Rating
APR Range
Key Highlights
AutoFi
AutoPay
Best Rates
4.67% – 17.99%APR (new vehicle)
- New, used, and refinance
- No prepayment penalty
- Online pre-approval
* APR depends on vehicle age, credit score, and loan term. See disclosure.
Provider
Rating
Est. Annual Premium
Key Highlights
GEICO
GEICO
Best Value
$892 – $1,840Est. per year (auto)
- Up to 26 discounts available
- 24/7 claims support
- Mobile app management
* Premiums vary significantly based on location, vehicle, and driving history. See disclosure.
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USA & Canada — All Products, One Platform
GetEasy covers both the American and Canadian financial markets with dedicated editorial coverage, lender comparisons, and regulatory context for each country.
United States
Comparing 30+ top US lenders and financial institutions
50 states
Canada
Comparing 20+ top Canadian banks and lenders nationwide
All provinces
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Estimate your monthly payment and total interest for any personal loan amount and term.
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Compare repayment plans, estimate payoff dates, and plan for loan forgiveness programs.
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Personal Loan vs. Credit Card vs. HELOC
Not sure which product is right for you? Here is how the three most common borrowing options compare across the metrics that matter most.
Personal Loan
Installment
Typical APR8%–36%
Loan Amount$1K–$100K
Term12–84 mo.
CollateralNone
- Fixed monthly payments
- Predictable payoff date
- Lower rates than credit cards
Most Popular
Credit Card
Revolving
Typical APR18%–30%
Credit Limit$500–$50K
TermRevolving
CollateralNone
- Rewards and cash back
- 0% intro APR offers
- Flexible spending
HELOC
Home Equity
Typical APR7%–13%
Credit LineUp to $500K
Term10–30 yr
CollateralHome equity
- Lower rates (secured)
- Large amounts available
- Potential tax deduction
Education
Financial Guides & Resources
Written by our editorial team with input from licensed financial experts.
Loans
How Installment Loans Work: A Complete Guide
Everything you need to know about installment loans — from how interest accrues to choosing the right repayment term for your budget.
Student
How Student Loans Work: Federal vs. Private
Understand the key differences between federal and private student loans, income-driven repayment, and when refinancing makes sense.
Compare
Personal Loan vs. Credit Card: Which Is Better?
A head-to-head analysis of personal loans versus credit cards for debt consolidation, large purchases, and everyday spending.
Live Data
Market Snapshot
Key financial indicators relevant to US and Canadian borrowers.
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We compare products from over 50 nationally licensed lenders, banks, and insurers across both countries.
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Common Questions
Frequently Asked Questions
GetEasy is free for consumers. We earn a referral fee from lenders and financial institutions when a user applies for or receives a product through our platform. This compensation does not influence our editorial ratings or rankings, which are determined independently by our editorial team. You can read more in our affiliate disclosure.
No. Using GetEasy to browse rates and compare products involves no credit check of any kind. When you click through to a lender's own website to pre-qualify, they may perform a soft credit inquiry which also does not affect your credit score. A hard inquiry only occurs when you formally submit a loan or credit card application directly with a lender.
Yes. GetEasy covers both the United States and Canada. Our Canadian section (geteasy.cash/canada) features dedicated comparisons for personal loans, mortgages, credit cards, student loans, auto loans, insurance, and more from Canadian banks and lenders. All rates are displayed in Canadian dollars where applicable.
Our editorial team reviews and updates product data regularly. Rate ranges for personal loans, auto loans, and student loans are verified at least quarterly. Mortgage rates are refreshed more frequently given their volatility. Each product page displays a "last updated" date so you always know how current the information is. For the most precise rate, you should always check directly with the lender.
The advertised low APRs are typically available to borrowers with a credit score of 720 or higher (Excellent credit in the USA; 760+ for the best mortgage rates). Borrowers with Fair credit (580–669) can still qualify for personal loans through many of our featured lenders, though at higher rates. We include dedicated sections for bad credit loans to help borrowers with limited or damaged credit find appropriate options.
Yes. Our editorial team operates with full independence from our business team. Lenders cannot pay to improve their editorial rating, placement in "Best Of" lists, or the content of reviews. Our editorial policy describes the methodology we use to evaluate and score financial products including our 5-point rating framework covering APR, fees, flexibility, customer service, and transparency.