ClearValue Lending
Money, made clear.
Compare your financing options — ranked by fit, not by who pays.
- Compare financing options across lenders
- Find the option that fits your situation
- No confusing fine print — the tradeoffs, in plain English
Start here
What are you looking to finance?
Free · No SSN to start · No hard pull to compare · Not shared until you choose
◆ Brian's Focus
The average card is a 20%+ loan.
A 0% balance-transfer card can be the escape hatch (Fed G.19).
Compare balance-transfer cards →2.89M
Audience reached by our founder, Brian Kim, CPA
721
Products scored across lending categories
4-factor
Published ranking methodology →
$0
To compare — free to use, no SSN to start
Some partners pay us a referral fee when you choose them — that fee never moves the ranking or decides which products we cover. How we make money.
Same need. Different ways to fund it.
The same $25,000 costs very differently depending on how you borrow it.
Same $25,000. Same home improvement. But the loan you pick changes what it actually costs — here's the tradeoff before you sign anything.
- APR
- ~8–24%
- Secured
- No
- Speed
- 1–5 days
Higher rate, but fast and no collateral
- APR
- ~8–10% var.
- Secured
- Home
- Speed
- 2–6 weeks
Lower rate, but variable and secured by your home
- APR
- ~8–9% fixed
- Secured
- Home
- Speed
- 2–6 weeks
Fixed and low, but a closing process + home is collateral
- APR
- 0% intro → 20%+
- Secured
- No
- Speed
- Same day–1 wk
No interest if repaid within the intro window (transfer fees apply); steep after
Illustrative ranges (Aug 2026), not an offer — your actual rate depends on your profile.
Start with your goal
What are you trying to do?
For your next move
The ClearValue pick in every category.
One verified pick per category. Chosen by fit, not commissions.
Updated August 2026
Business Loans · SBA Preferred
Live Oak Bank
Top SBA 7(a) lender by dollar volume, vertical-specialty teams
Personal Loans
Upgrade
Fair-credit access with broad use-case flexibility.
Auto Loans
PenFed Auto Loan
Competitive credit-union rates — open membership, widest loan-amount range in market.
Home Equity & HELOC
Discover Home Loans — Home Equity Loan
No origination, appraisal, or application fees on home equity loans.
◈ Rates moved this week
Compare options that fit your situation.
Stop comparing twenty tabs. Your matches update with the market. Check yours in two minutes — no spam, ever.
Find options that fitWhat's new in every category
SBA Proposes Its Biggest Size-Standard Overhaul in Decades — What It Could Mean for Your Loan Eligibility
On August 20, 2026, SBA proposed collapsing nearly 1,000 industry-specific size standards into 338 broader groupings — a change SBA estimates would let roughly 114,500 more businesses qualify as "small." Public comment runs through September 21, 2026.
6 min read BlogSmall Business Loan Statistics 2026: SBA and Federal Reserve Data
Approval rates by lender type, SBA loan volume, average loan size, and the current rate environment — every statistic on this page is sourced to the SBA or the Federal Reserve's Small Business Credit Survey, with no fabricated figures.
7 min read BlogSmall Business Grants for Minority- and Women-Owned Businesses: A 2026 Sourcing Guide
Real funding paths for minority- and women-owned businesses: SBA 8(a) and WOSB federal contracting, NMSDC and WBENC corporate certification, and direct cash grants like the Amber Grant — with an FTC scam warning and no fabricated award figures.
10 min readOur standards
"We rank things the way we'd tell our own family to buy them — by fit and cost. Not by who's paying us to say nice things."
Our 4-factor rubric (cost / fit / speed / transparency) is set by the team, not by partner commissions.
We earn when readers apply with partners we'd recommend anyway. Same commission across ranks. Read details
Every product is scored against the same published methodology — a tax-first lens on cost, because the cheapest cost of capital is the one you don't pay twice.
Good to know
Your questions, answered.
How we operate, how we stay independent, and how we make money.
Read full guides →What is ClearValue Lending?
It's a financing platform from the team behind ClearValue Tax — business loans, lines of credit, SBA, personal loans, auto, debt consolidation, refinancing, all put side by side so you can see what each one actually costs. One thing we're not: a lender or a bank. We don't hand you the money. We just make sure you understand what you're signing before somebody else's name is on it.
How does ClearValue make money?
Straight answer: some partners pay us a referral fee when you pick their product off one of our comparisons. That doesn't cost you anything, and it never touches the ranking — so if the product that fits you best happens to pay us zero, it still goes on top.
What can I compare on ClearValue?
Business and personal loans. Business and personal credit cards. Banking. Insurance — auto, home, life, renters, pet, and travel. Mortgages, small-business grants, and debt help. New categories go up all the time. Pick one at the top of the page and go.
Is ClearValue free to use?
Yes. The guides, the comparison tools, the reviews — all of it, free. No sign-up wall, no paywall. Read as much as you want.
Are your reviews and rankings independent?
Yes. Every product gets scored against our published methodology — cost, value, and whether it actually fits a real person's situation. And here's the part that matters: we publish the ClearValue verdict even when it costs us the commission. Want to see exactly how the scoring works? It's all in our ratings methodology.
Who is behind ClearValue?
The team behind ClearValue Tax, alongside co-founder Brian Kim, CPA, whose plain-English money breakdowns reach more than 2.89 million people on YouTube. Same idea drives this site: understand the decision first, then make the move — not the other way around.