About Loan Reference

Loan Reference provides free, easy-to-use financial calculators and educational guides to help consumers better understand loans, interest rates, and borrowing decisions.

Our goal is to make personal finance information more accessible and transparent so users can make informed financial choices with confidence.

Who Loan Reference Is For

Loan Reference is designed for everyday consumers who want clear, practical information about loans and borrowing decisions — without confusing jargon or sales pressure.

Whether you're considering a personal loan, auto loan, mortgage, refinancing, or debt payoff strategy, our goal is to help you understand your options before speaking with a lender.

How Our Content Is Created

Our calculators and educational guides are created using publicly available financial formulas, lender disclosures, and widely accepted industry standards.

We focus on accuracy, clarity, and real-world usefulness. Content is reviewed regularly and updated as financial products, rates, and best practices change.

How Loan Reference Makes Money

Loan Reference is free to use. We may earn revenue through advertising or affiliate partnerships with financial service providers.

These relationships do not affect our calculators, educational content, or recommendations. We do not accept payment in exchange for favorable coverage.

Important Disclaimer

Loan Reference provides educational information only and does not offer financial, legal, or lending advice.

Calculations are estimates and may not reflect actual loan terms. Always consult qualified professionals and review lender disclosures before making financial decisions.