Real quotes, not teasers
You see the APR, origination fees, and total cost of borrowing before you click apply. Loanplaced does not mark up rates and never accepts payment for higher placement in your quote list.
Loanplaced — Match. Compare. Place.
Where the right loan finds you.
Loanplaced is a licensed loan comparison and placement service run by a team of former underwriters, credit analysts, and finance brokers. We connect you with vetted lenders across five loan categories and hand you side‑by‑side quotes — no obligation, no impact on your credit score.
Step 1 — free, no credit impact
Start your Loanplaced application
Fill in the short form below. A licensed Loanplaced advisor will review your file and reach out with matched quotes — usually within one business day.
🔒 Your information is encrypted in transit and never sold. See ourprivacy policyfor details.
Why borrowers choose Loanplaced
A loan is one of the biggest financial decisions most people ever make. Loanplaced exists to remove the guesswork — with real underwriting experience, transparent fee disclosure, and a lender panel we've stress‑tested over more than a decade.
Core promise
Vetted lender panel
Every lender re‑reviewed quarterly against our compliance checklist.
Underwriter‑led advice
Writers are CFP®, NMLS‑licensed, or former underwriters.
$3.4B
Placed since 2013
$0 cost to you
Loanplaced is paid a flat fee by lenders only when a loan closes.
4.8 / 5 rating
From 2,147 independent verified reviews.
Loan services from Loanplaced
Five focused loan categories, each supported by a specialist team. Loanplaced does not try to be everything — we place the loans we know deeply.
Personal loans
Fixed‑rate personal loans from $2,000 to $100,000 for medical, moving, wedding, or unplanned expenses. Fund in as little as one business day.
Personal loan details
Business loans
Working capital, SBA 7(a), equipment financing, and revenue‑based lines. Loanplaced routes to lenders that specialize in your industry and stage.
Business loan details
Mortgage loans
Purchase, refinance, FHA, VA, and jumbo mortgage matching. We surface the true APR — not the rate on the billboard.
Mortgage details
Auto loans
New, used, refinance, and lease‑buyout. Loanplaced runs the numbers against your trade‑in and taxes so you know the drive‑off cost.
Auto loan details
Debt consolidation
Combine credit card, medical, or private student debt into one fixed payment — often at 30–60% lower APR. Includes a free payoff plan.
Consolidation details
Not sure which loan?
Answer six questions and Loanplaced will recommend the loan structure that fits your situation — not the one that pays us more.
Take the loan‑fit quiz$3.4BLoans placed since 2013
48 hrsMedian time to funding
140+Vetted lender partners
4.8 / 5Verified customer rating
Loanplaced personal loans
How Loanplaced places your personal loan
Fixed‑rate, fixed‑term, unsecured installment loans from $2,000 to $100,000. Real offers from licensed lenders — never teaser rates.
1
Apply
6‑minute application. Soft credit pull only — no impact on your score.
2
Match
We route to lenders that fit your credit tier, state, and use case.
3
Compare
See real APR + fees side by side. Our team explains the trade‑offs.
4
Fund
Sign and funds hit your account — median 48 hours.
What Loanplaced personal loans are used for
- Debt consolidation.Replace 22% credit‑card APR with a fixed 8–15% installment loan and pay it off on a defined timeline.
- Medical expenses.Cover uninsured procedures, deductibles, or dental work without touching a credit card.
- Home improvement under $50K.Fund a kitchen refresh, roof repair, or accessibility upgrade without a HELOC.
- Major life events.Weddings, adoption, relocation, funeral expenses — anything where timing matters more than rate.
- Emergency bridge.Cover an income gap or unexpected bill without opening a new credit card at 24% APR.
What Loanplaced personal loans are NOT for
- Investments in cryptocurrency, stocks, or speculative assets — most lenders will decline.
- Post‑secondary tuition — a private student loan is almost always cheaper.
- Down payment on a home — most mortgage lenders won't allow it and it inflates your DTI.
- Gambling debt payoff — declared as ineligible use in most loan agreements.
Loanplaced personal loan rate examples (Q2 2026)
| Credit tier (FICO) | APR range | Typical origination fee | Available terms |
|---|---|---|---|
| Excellent (760+) | 7.49% – 10.99% | 0% – 2% | 24, 36, 48, 60, 84 months |
| Good (700–759) | 10.99% – 15.99% | 0% – 4% | 24, 36, 48, 60 months |
| Fair (660–699) | 15.99% – 22.99% | 2% – 6% | 24, 36, 48 months |
| Building (620–659) | 22.99% – 29.99% | 4% – 8% | 24, 36 months |
Ranges based on Loanplaced approved‑offer data for the most recent complete quarter. Your actual APR depends on income, DTI, state, and lender program.
Loanplaced advisor note.Personal loans always look attractive against 20%+ card APRs. But a 60‑month loan at 12% can still cost more in total interest than three years of aggressive card paydown. Loanplaced models both scenarios before recommending a placement.
Loanplaced business loans
CPA‑led placement.Underwriter‑caught eligibility.
Loanplaced routes your business to lenders that specialize in your industry and stage — SBA 7(a), working capital, equipment financing, and commercial real estate. We turn down 22% of inquiries when the math doesn't work long‑term.
CPA‑led teamSarah Chen, CA #98741
Former underwriterJordan Meade, NMLS #2201188
Loans placedSince 2013
Customer rating2,147 reviews
22%
of business inquiries
result in ADVICE — not a placement
result in ADVICE — not a placement
Loanplaced turns down MCAs above 40% factor rate, confession‑of‑judgment loans, and any product where default within 12 months is the likely outcome. Even when the borrower asks.
4 products Loanplaced places
Product
01SBA 7(a) loans
Government‑backed, up to $5M · 10–25 year terms · 2+ yr business
02Working capital lines
Revolving credit · $25K – $500K · Same‑week funding on approvals
03Equipment financing
Asset‑secured · Section 179 eligible · Terms match asset life
04Commercial real estate
Owner‑occupied or investment CRE · Conventional + SBA 504 programs
What Loanplaced won't place.
Merchant cash advances above 40% factor rate. Confession‑of‑judgment loans. Any product where the borrower's likely outcome is default within 12 months. This is why 22% of business inquiries to Loanplaced result in advice — not a placement.
Loanplaced mortgage loans
Every mortgage placedby a former underwriter's team.
Underwriters know the exact reasons files get denied — and structure yours to avoid every one of them. 12+ years of experience. Six programs. One team that catches issues before you submit.
DR
Danielle Rivera, Esq.DE Bar #DE‑48210 · Former mortgage underwriter · Head of mortgage placement
Loanplaced mortgages funded since 2013:18,400+ families
Conventional
Fannie / Freddie
FICO 620+, DTI under 45%. Down payments from 3% (first‑time) or 5% (repeat). PMI drops off at 20% equity.
FICO 620+3–5% down6.375–7.125%
FHA
Government‑insured
FICO 580+ (3.5% down) or 500–579 (10% down). Higher DTI allowed. MIP required for the life of the loan on 3.5% down.
FICO 580+3.5% down6.125–6.875%
VA
Veterans / Active duty
For qualifying veterans, active duty, and eligible surviving spouses. Zero down, no PMI, competitive rate. One‑time funding fee.
FICO 580+0% down6.00–6.75%
USDA
Rural / Suburban
Zero‑down for rural / suburban properties in eligible zones. Income limits apply. Guarantee fee added at close.
FICO 640+0% down6.25–6.875%
Jumbo
Above conforming limit
Loans above the conforming limit. Stricter reserves (6–12 months). Loanplaced places to $3M standard, higher on exception.
FICO 720+10–20% down6.50–7.25%
Refinance
Rate‑and‑term / Cash‑out
Rate‑and‑term to lower payment, cash‑out to tap equity, or streamline (FHA/VA) with reduced documentation.
VariesStreamline OKCash‑out avail.
Loanplaced mortgage rate examples (Q2 2026)
| Program | APR range (30‑year fixed) | Min FICO | Min down payment |
|---|---|---|---|
| Conventional 30‑yr | 6.375% – 7.125% | 620 | 3% (first‑time), 5% (repeat) |
| FHA 30‑yr | 6.125% – 6.875% | 580 (3.5% down) | 3.5% |
| VA 30‑yr | 6.000% – 6.750% | 580 (most lenders) | 0% |
| USDA 30‑yr | 6.250% – 6.875% | 640 | 0% |
| Jumbo 30‑yr fixed | 6.500% – 7.250% | 720 | 10% – 20% |
Loanplaced auto loans
Your Loanplacedpre‑approvalin your pocket.
Walk into any dealership with a pre‑approved rate locked in. The finance manager can try to beat it — many will. Either way, you cannot end up paying more than your Loanplaced floor.
6‑minute approvalSoft credit pull · No hit to your score
Rate ceiling protectionThe dealer can only match or beat — never worse
Skip the dealer markupSave the 1–2% APR the dealer adds on top
✓ APPROVED
Loanplaced pre‑approval
Sample Borrower
Max loan amount$45,000
Locked APR7.49%
Term60 months
Valid through45 days
Placed by Loanplaced · NMLS #1234567
New auto
Up to 84‑month terms · fund in 1 business day
5.99 – 12.99%
APR · FICO 700+
Used auto
10 yr or newer, under 150K miles
6.99 – 15.99%
APR · FICO 700+
Refinance
Common if credit improved 40+ points
Save 1.5–3.5%
Typical APR reduction
Lease buyout
Purchase at contract residual value
Contract‑based
Free market check
Loanplaced dealer strategy.Never disclose your Loanplaced pre‑approval until you've negotiated the out‑the‑door price. When the finance manager offers to "beat your rate," let them try — many will. But the pre‑approval is your floor. You cannot end up paying more than what Loanplaced already got you.
Loanplaced debt consolidation
Same debt.Different destination.
Every Loanplaced consolidation starts with a math check. If the numbers don't beat your current path, we tell you honestly — and refuse to place the loan.
📉 Current path
$28K card debt · 22% APR · min payments
Monthly payment$700
Payoff time~15 yrs
Total interest~$23,400
📈 Loanplaced path
60‑mo consolidation · 12.99% APR · fixed
Monthly payment$637
Payoff time5 yrs
Total interest~$10,220
Loanplaced net savings
−$63
Per month
−10 yrs
Payoff time
−$13,180
Total interest
What Loanplaced tells you if consolidation doesn't help.
Sometimes it doesn't. If your debt is under $8,000 and your credit is strong, a 0% balance transfer card (15–21 months) often beats a consolidation loan. Loanplaced tells you this openly — even though it means we earn nothing on your file.
Loan type comparison · Coverage
Placed inall 50 states— with the right lender for yours.
Every Loanplaced product is available nationwide. State regulations vary — our advisors know which lender partners operate in your state, and match you to the ones that price best.
50 states
Nationwide
Wilmington, DE
HQ · NMLS #1234567
140+ lenders
Vetted partners
All 5 loan types
Nationwide
State‑by‑state loan placement50 states, one team
| Loan type | Typical amount | Term | APR range | Typical funding | State coverage |
|---|---|---|---|---|---|
Personal Unsecured | $2K – $100K | 24–84 mo | 7.49 – 29.99% | 1–3 business days | All 50 states |
Business (SBA 7a) Gov‑backed | $50K – $5M | 10–25 yrs | Prime + 2.75 – 4.75% | 30–60 days | All 50 states |
Mortgage Property‑secured | $100K – $3M | 15 or 30 yrs | 6.00 – 7.25% | 21–45 days | All 50 states |
Auto Vehicle‑secured | $5K – $100K | 24–84 mo | 5.99 – 15.99% | Same day possible | All 50 states |
Debt consolidation Unsecured | $5K – $50K | 24–60 mo | 8.99 – 22.99% | 1–3 business days | 48 states* |
* Debt consolidation currently not offered in NV and IA due to state licensing renewals — expected Q3 2026.
Loanplaced calculator
See what your loan would cost —before you apply.
Play with the numbers. We use standard amortization — the same math your lender does. No hidden fees baked in.
$1K$500K
3%30%
1 yr30 yr
Estimated monthly payment
$537
Principal + interest · monthly
Total interest
$7,209
Total paid
$32,209
Estimates only. Real APR depends on credit, income, and lender. Loanplaced runs a soft credit pull to give you real quotes.
Get my Loanplaced rateTrust framework · YMYL-grade
Why Loanplaced ranks trustas the metric that matters.
Loanplaced follows Google's E-E-A-T framework (Experience · Expertise · Authoritativeness · Trustworthiness) — the same standard Bing, DuckDuckGo, and every serious financial regulator apply to lending content. Each pillar below is verifiable in public databases.
E
1. Experience
13 years placing real loans
Loanplaced was founded April 2013 by two former lenders — not marketers. Every loan we place is filtered through people who have actually underwritten one.
- $3.4BLoans placed since 2013
- 13 yrsContinuous operation
- Delaware HQVerifiable physical address
E
2. Expertise
Credentialed, license-verified advisors
Every author on Loanplaced is a licensed professional in the field they write about. Bylines link directly topublic license verification.
- NMLSMichael Thornton #1102234 · Jordan Meade #2201188
- CFP® · CPA · Esq.Amir Patel #178342 · Sarah Chen · Danielle Rivera
- 6 advisorsEvery guide reviewed by a subject-matter expert
A
3. Authoritativeness
Regulated, licensed, cited
Loanplaced is a state- and federally-regulated broker. Our compliance status is a matter of public record — check any of the databases below.
- NMLS #1234567Verify at nmlsconsumeraccess.org
- 50 states + DCConsumer finance & mortgage broker licenses
- FederalTILA · ECOA · FCRA · GLBA · RESPA compliance
T
4. Trustworthiness
Editorial standards you can audit
Flat-fee compensation. No data selling. 5-stage editorial review. 90-day content refresh. Every article shows a"last verified"date.
- 4.8/5 ★2,147 verified reviews · 94% recommend
- Flat placement feeNo rate markup · $0 borrower fee · disclosed
- SOC 2 Type IIAudited annually · TLS 1.3 · AES-256
Every Loanplaced article follows
The 5-stage editorial review process
Nothing goes live until every stage is signed off. Complete process documented in oureditorial policy.
1
Subject-matter draft
Written by credentialed advisor
2
Compliance read
TILA · Reg Z · ECOA check
3
Editorial polish
Editor-in-Chief review
4
Fact check
Sources verified vs CFPB / lender
5
90-day refresh
Rate ranges + rules re-verified
Verify Loanplaced independently
Business identity Loanplaced publishes in every jurisdiction
Legal name
Loanplaced, LLC
Delaware LLC · Founded April 2013
Registered address
1200 Financial Way
Suite 400
Suite 400
Wilmington, DE 19801 · USA
Loanplaced reviews
Real loans placed.Real reviews.
Every review below is from a verified Loanplaced client who completed a loan placement. We publish the good, the bad, and the "we told you not to borrow" — because that's what transparency looks like.
★★★★★
4.8/5average rating
2,147
verified customer reviews
96%
would refer a friend
★★★★★
Personal loanAfter three lenders quoted me 18%, Loanplaced's advisor found me a credit union at 9.99%. Same-day soft pull, no hard hit on my credit. The math check they showed me saved months of second-guessing.
ST
Sarah T.Austin, TX · Placed Jan 2026
★★★★★
Business · SBA 7(a)Their former SBA underwriter caught two eligibility issues my accountant missed. We got approved on the first submission — funded in 42 days. Would have been rejected anywhere else.
MD
Marcus D.Chicago, IL · Placed Nov 2025
★★★★★
Mortgage · FHAFirst-time homebuyers here. Loanplaced walked us through FHA vs Conventional in plain English. Danielle answered questions on nights and weekends. Closed 7 days ahead of schedule.
RK
Rachel & Ben K.Denver, CO · Placed Feb 2026
★★★★★
Auto loanWalked into the dealership with the Loanplaced pre-approval. Dealer "offered" 12.99% — I showed them my 7.49% approval. They matched it. Saved me about $2,800 on a 60-month loan.
JP
James P.Phoenix, AZ · Placed Mar 2026
★★★★★
Debt consolidationHad $22K in cards at 24% APR. Loanplaced actually ran the math and told me a 0% transfer card would beat their loan first. When my credit line got cut, they placed the consolidation. Honest to the end.
EM
Elena M.Miami, FL · Placed Dec 2025
★★★★★
Compared 4 brokersCompared Loanplaced against LendingTree and Credit Karma. Zero spam calls after using Loanplaced — literally zero. Got one advisor, one packet of options, one decision. Refreshing.
DR
David R.Boston, MA · Placed Apr 2026
Loanplaced — frequently asked questions
What is Loanplaced?
Loanplaced is a licensed loan comparison and placement service that matches borrowers with vetted lenders across personal, business, mortgage, auto, and debt‑consolidation categories. We are not a lender ourselves — we work on your behalf to surface the right offers.
Is checking my rate on Loanplaced free?
Yes. Loanplaced uses a soft credit check to display personalized quotes, which does not impact your credit score. You only receive a hard credit inquiry once you formally accept a lender's offer.
How does Loanplaced make money?
Loanplaced is compensated by its lending partners when a loan is placed. Borrowers pay no fee for using the comparison service, and rates shown are not marked up. Lenders cannot pay for higher placement — offers are ranked by cost to the borrower.
What loan types does Loanplaced cover?
Personal loans, business loans, mortgage (purchase & refinance), auto loans, and debt‑consolidation loans. Full detail on each is on theservices page.
Is Loanplaced licensed?
Yes. Loanplaced operates under state consumer‑finance and mortgage broker licenses where required. License numbers are listed on ourlicensing pageand can be verified through the NMLS Consumer Access portal.
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