Show Real Cost

One loan question a day. Guess, then see the real number.

Thursday, October 22, 2026

Today's guessAbout a minute A $500 payday loan at $15 per $100. What is the APR? Guess first. Then see the real number.
Play today to start a streak

Offered a car loan? See the gap.

60-month new car loan: the latest Fed-reported average is 7.14% (second quarter of 2026).

Your 8.14% is 1.00 percentage point above the latest Fed-reported average of 7.14%. On $25,000 over 60 months, that gap is $714 more interest, about $12 a month.

An average, not an offer. Your rate depends on the lender, your credit and the term. Comparing offers? Which offer really costs less?

Average rates · second quarter of 2026New

Check a rate you were offered · What changed

Earlier

  1. Wed, Oct 21 A lower rate with a fee, or 11% with no fee? The map at 60 months. Fees and add-ons
  2. Tue, Oct 20 A lower rate with a fee, or 14% with no fee? The map at 36 months. Fees and add-ons
  3. Mon, Oct 19 A lower rate with a fee, or 18% with no fee? The map at 24 months. Fees and add-ons
  4. Sun, Oct 18 “It's only a 3% fee.” What the fee really costs. Fees and add-ons
  5. Sat, Oct 17 “We can cut your rate by two points.” With a longer term. Refinancing
  6. Fri, Oct 16 “Skip a payment this month, on us.” What the skipped month adds. Personal loans

All stories

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How it works

The numbers behind every card come from one open calculation engine, explained on the method pages. Mistakes are fixed in public on the corrections log.