About LoanOctopus.com

LoanOctopus.com publishes free, independent tools and explanations to help US consumers understand borrowing before they sign. Our calculators run entirely in your browser, and our guides are written in plain English and sourced from official regulators.

What we do

• Build free loan calculators that use only the numbers you enter — we never invent rates, fees or market data.
• Publish plain-language guides on credit, debt and borrowing, each citing federal agencies and state regulators.
• Maintain a sourced reference of state consumer-lending rules, with the regulator named for every figure.

What we are not

We are not a lender, a loan broker, or a credit repair company. We do not make credit decisions, we do not charge you any fee, and we cannot approve or deny an application. We are an advertising-supported publisher.

How we make money

When you click a link to a lending partner and apply, we may be paid a commission. This never changes what our calculators compute or what our guides say. See our disclosures for detail.

Editorial standards

Our content is produced by the LoanOctopus Editorial Team and reviewed for accuracy and sourcing. Read our editorial policy.