Compare loan offers
Enter two offers and see which one really costs less once every fee and repayment is counted.
The short answer
Enter the amount, interest rate, term, fees and repayment frequency for each offer. The tool works out each repayment, total interest, total fees and the total cost to repay, then shows which offer is cheaper overall and by how much, so you're comparing like with like.
Look past the headline rate
Two loans for the same amount can differ by thousands once fees and term are counted. A longer term lowers each repayment but usually adds interest. A big establishment fee can wipe out a lower rate on a short loan. Our guide to comparing business loans walks through every line of an offer.
LoansOne shows you the full cost of any offer before you sign, and works to get you the sharpest rate available for your situation. Start an application and put our offer in column B.
Keep running the numbers
Business loan calculator
Weekly, fortnightly and monthly repayments for any amount and term.
Loan matcher
Answer five quick questions and see which loan type fits.
Property equity calculator
How much you could borrow against property for your business.
Cash flow gap calculator
Work out how much working capital you need to get through a gap.
Frequently asked questions
What is the best way to compare business loan offers?
Compare the total cost to repay, not just the interest rate. Add up every repayment plus establishment and other fees, then compare that total for the same amount. Also compare the term, repayment frequency, security required and early repayment terms.
Why can a lower rate cost more?
A loan with a lower rate can carry higher fees or a longer term, which adds more interest overall. That's why this tool shows total cost and the cost per dollar borrowed side by side.
What else should I check besides cost?
How fast the money can settle, whether you can repay early without heavy break costs, what security or guarantees are required, and whether the repayment frequency suits your cash flow.
Let's get your business funded
Apply in about 30 seconds. An expert reviews every application and you could be funded as soon as the next day.