How Ratevance Works

Compare loan rates and make smarter borrowing decisions in three simple steps.

1

Enter Your Loan Details

Start by telling us about the loan you're considering. We need just a few key details to give you accurate estimates:

  • Loan Type - Auto, personal, Buy Now Pay Later, or other
  • Loan Amount - How much you need to borrow
  • Term Length - How long you'll repay the loan
  • Credit Score Range - A general estimate is fine
  • Down Payment - For auto loans only

No credit check required. Your information stays private.

Fill out a simple form with your loan details

2

Get Your Rate Range

Based on current market data and your profile, we calculate an estimated APR range you should expect to see from lenders.

Our calculation engine considers:

  • Current Market Rates - Updated regularly to reflect real conditions
  • Credit Score Impact - How your credit affects available rates
  • Loan Factors - Amount, term, and down payment adjustments

You'll see your estimated APR range, monthly payment range, and total interest you might pay over the life of the loan.

See your personalized rate range instantly

3

Compare Your Bank's Offer

Already have an offer from a bank or lender? This is where the magic happens.

Enter your bank's quoted APR, and we'll show you:

  • How it compares - Is it above, below, or within the typical range?
  • Potential savings - How much you could save with a better rate
  • Monthly difference - What a better rate means for your budget

Armed with this information, you can confidently negotiate with your lender or shop for better rates elsewhere.

See exactly how your offer stacks up

What Your Results Look Like

Clear, actionable information to help you make the right decision.

Great Deal!

Your bank's rate is at or below market average. You're getting a competitive offer - feel confident moving forward.

Good Deal

Your rate is within the typical range. It's reasonable, but you might find slightly better offers if you shop around.

You Can Do Better

Your rate is above market average. We'll show you exactly how much you could save by finding a better offer.

Ready to Compare Your Rate?

It takes less than 2 minutes to see if you're getting a fair deal.

Start Comparing Now