Personal Loan Calculator
Our personal loan calculator works out monthly repayments and total interest for any loan.
What APR to Expect?
- Excellent credit: 6.9-9.9% APR
- Good credit: 10-15% APR
- Fair credit: 16-25% APR
- Poor credit: 26%+ APR
Personal Loan Calculator
Calculate monthly payments and total interest for a personal loan.
Enter the loan amount and the specific APR you have been quoted, not the representative APR shown in advertising. Representative APRs are available to at least 51% of accepted applicants — others pay more based on their credit profile. Lenders perform a soft credit search for initial quotes, which does not affect your credit score. Choose the term that balances an affordable monthly payment against minimising total interest paid. The results show the total amount repayable and total interest charged — compare these across different terms to find the most cost-effective option. If you are consolidating existing debts, compare the total interest on the loan against the total remaining interest on your current debts before assuming consolidation is cheaper.