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Compare loan or financing offers side by side

Turn several loan, lease or buy-now-pay-later offers into a like-for-like comparison of total cost, monthly payments and risks, with the math shown.

Any chat AIFinanceRuleStack original

Works with: ChatGPT · Claude · Gemini · Grok · Microsoft Copilot · Perplexity · Meta AI · DeepSeek · Mistral Le Chat

Written for Any frontier chat model (GPT-6, Claude 5.5, Gemini 4 Argon, Grok 4.7) · Updated 2026-10-18

Note: Educational only, not financial or investment advice.

Note: Review and test before use. Provided as is, without warranty. See Terms.

Compare these financing offers for [what I'm financing, e.g. a used car costing [amount]]:

Offer A: [lender, amount, APR or interest rate, term, fees, down payment, prepayment rules]
Offer B: [...]
Offer C: [...]

For each, calculate and show your working:
- Monthly payment
- Total paid over the full term and total interest plus fees
- Cost if I pay it off [N] months early
Then a comparison table, the cheapest option overall, the lowest monthly payment option, and any terms that add risk (variable rates, balloon payments, penalties, required add-ons). Finish with 3 questions to ask each lender.

If any detail is missing, state the assumption you used in bold.

Replace everything in [square brackets] with your own details.

Settings & parameters

• Use a model with a code or calculator tool (ChatGPT, Claude, Gemini or Grok with code execution) so the amortization math is computed, not estimated

Variations

• Lease vs buy: add residual value, mileage limits and insurance differences.
• Debt payoff order: compare avalanche vs snowball for my current balances.

Tips

• Check the APR on the official disclosure document; it includes fees that headline rates leave out.
• Disclaimer: Educational only, not financial or investment advice.