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<?xml-stylesheet type="text/xsl" href="sitemap.xsl"?>
<!--
    LoanRateCheck XML Sitemap
    Generated: <?= date('Y-m-d') ?>

    Conforms to: https://www.sitemaps.org/schemas/sitemap/0.9
    Submit to: Google Search Console, Bing Webmaster Tools
    Ping URL: https://www.google.com/ping?sitemap=https://www.loanratecheck.com/sitemap.xml
-->
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        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"
        xsi:schemaLocation="
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    <!-- ═══════════════════════════════════════════
         HOMEPAGE
    ════════════════════════════════════════════ -->
    <url>
        <loc>https://www.loanratecheck.com/</loc>
        <lastmod>2026-05-10</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
    </url>

    <!-- ═══════════════════════════════════════════
         CALCULATORS
    ════════════════════════════════════════════ -->

    <!-- Mortgage Calculator — Primary calculator page -->
    <url>
        <loc>https://www.loanratecheck.com/calculators/mortgage-loan-calculator/</loc>
        <lastmod>2026-05-10</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.95</priority>
        <!-- Page targets: mortgage calculator, lending calculator, amortization calculator,
             online mortgage calculator, loan calculator with amortization,
             mortgage loan calculator with extra payments, home loan payoff calculator -->
    </url>

    <!-- Car Loan Calculator -->
    <url>
        <loc>https://www.loanratecheck.com/calculators/car-loan-calculator/</loc>
        <lastmod>2026-05-10</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.90</priority>
        <!-- Page targets: auto finance calculator online, online auto loan calculator,
             typical car payment, car loan calculator, vehicle financing calculator -->
    </url>

    <!-- Personal Loan Calculator -->
    <url>
        <loc>https://www.loanratecheck.com/calculators/personal-loan-calculator/</loc>
        <lastmod>2026-05-10</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.90</priority>
        <!-- Page targets: online personal loan calculator, personal loan calculator,
             personal debt consolidation loan, refinance personal loan calculator -->
    </url>

    <!-- Amortization Calculator -->
    <url>
        <loc>https://www.loanratecheck.com/calculators/amortization-calculator/</loc>
        <lastmod>2026-05-10</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.88</priority>
        <!-- Page targets: amortization payment schedule, amortization schedule table,
             loan amortization formula calculator, amortization chart calculator -->
    </url>
	
	<!-- Interest Only Loan Calculator -->
    <url>
        <loc>https://www.loanratecheck.com/interest-only-calculator/</loc>
        <lastmod>2026-05-21</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.88</priority>
        <!-- Page targets: interest only loan calculator, interest only payment calculator,
             interest only loan payoff calculator, interest only calculator -->
    </url>

    <!-- ═══════════════════════════════════════════
         LEARN / BLOG ARTICLES
    ════════════════════════════════════════════ -->

    <!-- Article: How to Calculate Your Mortgage Payments -->
    <url>
        <loc>https://www.loanratecheck.com/articles/how-to-calculate-your-mortgage-payments/</loc>
        <lastmod>2026-05-06</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.85</priority>
        <!-- Page targets: home loan quotes, debt amortization,
             mortgage loan calculator with extra payments -->
    </url>

    <!-- Article: Car Loan Secrets Most Dealers Won't Tell You -->
    <url>
        <loc>https://www.loanratecheck.com/articles/car-loan-secrets-most-dealers-wont-tell-you/</loc>
        <lastmod>2026-05-10</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.82</priority>
        <!-- Page targets: vehicle financing, auto financing,
             auto finance company, average car payment -->
    </url>

    <!-- Article: The Truth About Personal Loans -->
    <url>
        <loc>https://www.loanratecheck.com/articles/nits-and-grits-about-personal-loans-that-you-must-know/</loc>
        <lastmod>2026-05-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.82</priority>
        <!-- Page targets: unsecured personal loan, personal loan for debt consolidation,
             personal installment loans, co signer -->
    </url>

    <!-- Article: Loan Amortization Explained -->
    <url>
        <loc>https://www.loanratecheck.com/articles/loan-amortization-explained/</loc>
        <lastmod>2026-05-13</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.82</priority>
        <!-- Page targets: amortization payment schedule, amortization schedule table,
             loan amortization calculator, amortisation table calculator -->
    </url>

    <!-- Learn hub (future page) -->
    <url>
        <loc>https://www.loanratecheck.com/articles/</loc>
        <lastmod>2026-05-10</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.65</priority>
    </url>


    <!-- ═══════════════════════════════════════════
         COMPANY / STATIC PAGES
    ════════════════════════════════════════════ -->

    <url>
        <loc>https://www.loanratecheck.com/legal/about/</loc>
        <lastmod>2026-05-05</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.45</priority>
    </url>

    <url>
        <loc>https://www.loanratecheck.com/contact/</loc>
        <lastmod>2026-05-10</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.35</priority>
    </url>

    <url>
        <loc>https://www.loanratecheck.com/legal/privacy/</loc>
        <lastmod>2026-05-05</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.35</priority>
    </url>

    <url>
        <loc>https://www.loanratecheck.com/legal/terms/</loc>
        <lastmod>2026-05-05</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.35</priority>
    </url>
	
	<url>
        <loc>https://www.loanratecheck.com/legal/disclaimer/</loc>
        <lastmod>2026-05-05</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.32</priority>
    </url>
	
	<url>
        <loc>https://www.loanratecheck.com/legal/affiliate-disclosure/</loc>
        <lastmod>2026-05-05</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.32</priority>
    </url>
	
	<url>
        <loc>https://www.loanratecheck.com/legal/editorial-policy/</loc>
        <lastmod>2026-05-05</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.32</priority>
    </url>

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