Private Debt Dashboard

Loading your private dashboard…

Loan calculators, state-by-state lending rules, and a private debt tracker for U.S. borrowers. We also refer consumers to state-licensed lenders where permitted — but the tools are free and work whether or not you ever borrow anything.

Mailing address

1125 E Broadway #545

Glendale, CA 91205

United States

info@straightsum.com · +1 (866) 888-0037

Written and maintained by Robert Pokladow · Threads

Loan amounts

$500 loan
$1,000 loan
$1,500 loan
$2,000 loan
$3,000 loan
$5,000 loan
All amounts

Free tools

Total cost
Compare two offers
Paycheck planner
Debt-to-income
Affordability
Payoff accelerator
Rollover cost
Debt tracker

Guides

Short-term loans
Installment vs payday
All comparisons
State rules
How it works
FAQ
For counselors
Calculadoras en español

Company & legal

About us
Robert Pokladow
Contact
Rates and fees
Editorial policy
Privacy policy
Cookie policy
Terms of use
Security
Do Not Sell or Share
Cookie settings

Important disclosure: StraightSum is not a lender, loan broker, or credit services organization. We do not make credit decisions, issue funds, set rates or fees, guarantee approval, or service loan accounts. Loan availability, amounts, APRs, fees, repayment terms, credit checks, and funding times vary by state, lender, and applicant. Always review the lender's Truth in Lending disclosures and verify licensing through NMLS Consumer Access before signing.

Rates: Installment loans: 6.63% to 225% APR. Personal loans: 4.99% to 450% APR. Short-term (cash advance): 200% to 1386% APR. Actual rates depend on the lender, the amount, the term, your creditworthiness, and applicable state law.

Short-term and small-dollar borrowing can be expensive. Late or missed payments may result in additional charges, bank fees, collection activity, or negative credit reporting. Consider payment plans, credit-union products, employer advances, nonprofit assistance, and credit counseling before borrowing.

StraightSum is an independent publisher and referral service. We are not a lender, a loan broker, a loan servicer, a credit services organization, or a subsidiary, agent, or affiliate of any lender or lead network. Forms hosted on this site by third-party providers are clearly identified as such.