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• Start Here

  Four steps from your score to a decision: check the number, compare APR, run the cost, pick the lane.

• About

  What RateDial covers: US consumer credit — cards, loans, refinancing, scores, repair — and how its numbers are dated.

• Search

  Search RateDial for a rate, a term, a card.

• Credit Score

  Score bands, free checks and the reasons a score moves — quoted as of the date each figure was checked.

• Credit Cards

  Card types, APRs and the terms behind the headline rate — secured, low-APR and rewards cards, dated.

• Personal Loans

  Installment loans by lender and credit band — APR, fees and total cost, dated as of check.

• Refinancing

  Replacing a credit card or loan on better terms — when the new rate beats the old, by the numbers.

• Credit Repair

  Disputes, freezes and the realistic timeline for a report to clean up — dated, not promised.

• Calculators

  Payment, APR and overpayment calculators — the site's own worked answers, with the guides behind them.