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
Credit Card Delinquencies Hit 'Great Recession' Levels — Here's What That Number Actually Means
A widely repeated headline says credit card delinquencies are at Great Recession levels. The New York Fed's own researchers say that's only half the story — here's the number the headline leaves out.
6 min read BlogSBA's New Acquisition-Loan Rules Take Effect October 1, 2026 — What Buyers Need to Know
On August 14, 2026, SBA announced SOP 50 10 8.1, effective October 1, 2026, which tightens underwriting for business-acquisition loans — a higher debt-service-coverage floor, no more qualifying on projected cash flow, and a new independent earnings review for larger deals.
7 min read BlogNFIP's September 30, 2026 Deadline: What a Flood-Insurance Lapse Would Mean for Your Mortgage Closing
NFIP's current authorization runs out at midnight on September 30, 2026 — the sixth time since 2017 the program has faced this cliff. Here's what actually happens to new policies, renewals, and mortgage closings in FEMA flood zones if Congress doesn't act in time.
6 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.