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Personal Loan Calculator
Estimate your monthly payment and total cost in seconds — no sign-up needed.
$200$5,000
Estimates only. Your actual APR, payment and terms are shown in your personal offer and depend on your state and credit profile.
How the calculator works
The calculator uses the standard amortisation formula for fixed-rate instalment loans. Enter an amount, choose a term and enter an APR to estimate your equal monthly payment, total interest and total repayment.
Tips for using your results
- Check the payment against your monthly budget — it should be comfortable, not a stretch.
- Compare a shorter and longer term: shorter terms cost less overall.
- Remember that extra payments reduce your interest — we have no prepayment penalty.
Representative example: a $1,000 loan repaid over 12 monthly payments at 24.99% APR would have a monthly payment of about $95.04 and a total repayment of about $1,140.47.
Ready to see your options?
Check your loan options in minutes. It is free to start, and you will see your terms before you accept anything.
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