Personal Loan Calculator
Estimate your monthly payment and total interest on a personal loan.
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Monthly payment
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Total interest
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Total cost
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Principal Interest
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How this personal loan calculator works
Enter the loan amount, interest rate, and term to estimate your fixed monthly payment and total interest over the life of the loan — the same amortization math lenders use for personal loans, debt consolidation loans, and most other fixed-rate installment loans.
Personal loan rates vary widely based on your credit score and the lender — borrowers with excellent credit often qualify for rates well below the average, while lower credit scores can mean significantly higher rates. If you have a specific offer, use that exact APR for an accurate estimate rather than the default.