Five minutes a week.
Real loan math.
Every Sunday morning we send one short email: a worked-out example, the week's lender desk update, and one editor's note. Plus the occasional clearly marked partner offer. Free. Unsubscribe in one click.
One worked-out example, one editor's note, one chart. Five minutes.
Free. Cancel any time. Issues include clearly marked offers from our partners — never "this lender is the best for everyone" garbage.
- ✓ A worked-out APR or amortization example
- ✓ One editorial take, one chart
- ✓ 5-minute read, every Sunday
What you'll get on Sunday morning.
- 01Worked Math
An amortization or refi-breakeven walkthrough on a current-week scenario — using real lender APRs.
- 02The Lender Desk
What changed at SoFi, LightStream, Upgrade, OneMain, Best Egg, and friends — APR floors, origination changes, FICO minimums.
- 03One Editorial Take
A short, opinionated note from the editor on a lender's marketing claim that doesn't hold up to the math.
“The 0.49% rate-beat game, explained.”
Some lenders advertise a 0.49% rate-beat guarantee against competitors. Sounds great. The catch: only against an APR offer — not a fixed-rate offer — and the competitor must be funded at the same loan amount and term.
On a $25,000 60-month loan, a 0.49% APR reduction at 9.99% → 9.50% saves you about $340 over the life of the loan. Real. But marketing implies it's the deciding factor; on a 60-month loan it's about $5.66/mo.
A short privacy note
Your email is used to deliver the newsletter and occasional offers from partners we choose. We don't sell your email address. You can unsubscribe in one click from any issue. We log open events for our own diagnostics.