Loan Calculator
See what a personal, car or student loan really costs. Enter the amount, the annual rate and the number of months to get the monthly payment and the total interest.
How it works
- 1
Enter the amount
How much you plan to borrow.
- 2
Set rate and months
The annual interest rate and the repayment term.
- 3
Check the real cost
Monthly payment, total paid and total interest update instantly.
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Frequently asked questions
APR includes fees and other charges, so it is usually higher than the nominal rate. Use the APR when you have it for a closer estimate.
Understanding the cost of a loan
Most personal and car loans are repaid in equal monthly instalments that cover both interest and principal. The longer the term, the lower the monthly payment — but the more interest you pay overall.
Comparing offers by monthly payment alone can be misleading. Check the total interest as well: a slightly higher payment over fewer months is often much cheaper.
Fees, insurance and the APR offered by the lender are not included, so treat the result as an estimate. This is not financial advice.