Personal Loan Calculator
What will your loan really cost?
Enter the amount, rate, and term — see your monthly payment, total interest, and full payoff cost in real time.
Your numbers
Monthly payment
$0
Principal vs interest over term
- Total interest paid $0
- Total cost of loan $0
Ready to apply?
See real, pre-qualified offers from up to 6 top personal loan lenders. Soft pull, no impact to credit.
Get My Loan QuoteEstimates only. Actual rates and payments depend on creditworthiness, property location, and lender underwriting.
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FAQs
Personal loan calculator — common questions
What APR can I expect on a personal loan?
Personal loan APRs typically range from 6% to 36%. Borrowers with 740+ FICO and stable income usually see single digits; mid-tier credit (640-700) lands in the 11-18% band. Subprime borrowers often see 20%+.
Does a longer term mean a cheaper loan?
No — the opposite. A longer term lowers your monthly payment but increases the total interest you pay. Use the calculator to compare a 36-month and a 60-month term at the same rate to see the trade-off in dollars.
Will checking my rate hurt my credit?
No. Pre-qualification with our partner lenders uses a soft credit pull, which does not affect your score. A hard pull only happens if you formally accept a loan offer.