Consumer credit · United States
What personal and bad credit loans actually cost
Every number on this site is either read from a named public source, computed by arithmetic you can re-run, or labelled as variable. No promised approvals, no invented rates, no sales calls.
Start with the product
16 guidesBad Credit Loans
Tiers, pricing and what lenders actually check
How lenders price borrowers with damaged credit, which products exist at each credit tier,…4 guidesPersonal Loans
Offers, fees and honest comparison
Installment personal loans: what the offer documents mean, which fees are legitimate, and …2 guidesPayday & Fast Cash
Cost of speed, rollover math, alternatives
Payday loans, cash advances and same-day funding: the arithmetic of a two-week loan, rollo…2 guidesAuto Loans & Refinancing
Rates, LTV, refinance with damaged credit
New and used car financing, refinancing an existing auto loan, and how the loan-to-value r…1 guidesHome Equity
Qualification, LTV, documentation
Home equity loans and lines of credit: the qualification maths, the documents a lender nee…What this site refuses to do
No “guaranteed approval”. No rate quoted without an APR. No payday lender described as cheap. No state rule asserted without a state regulator behind it. No personal story invented to make a number feel real.
The benchmark used throughout is the Federal Reserve's G.19 consumer-credit release: the average rate commercial banks charge on a 24-month personal loan is 11.90% (Q3 2026), on credit cards 21.19%, and on a 60-month new-car loan 7.54%. Those three figures are the only market prices published nationally, and everything else on this site is mechanics or arithmetic.
Rebuilt archive
All archive pageshotcreditloans.com published between 2010 and 2013, and was later repurposed. This edition restores the original paths — 16 articles, 8 site pages, 66 taxonomy URLs — with new 2026 bodies written against public sources.