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Personal Loan Calculator

Discover how to plan your loan repayments effectively with our easy-to-use personal loan calculator.

Looking for a hassle-free way to understand your loan repayments? Our personal loan calculator offers you an intuitive way to estimate monthly payments, total interest paid, and more. Make well-informed decisions for your financial future.

Personal Loan Calculator

Loan Details

Your Loan Estimate

Monthly Payment

Total Principal Paid

Total Interest Paid

Total Amount

Payoff Date

Show amortization schedule

Payment Date Principal Interest Monthly Payment Balance

How to Use Our Personal Loan Calculator

  • Loan Amount: Begin by entering the amount you wish to borrow. Loan amounts can range widely, so choose an amount that aligns with your financial needs and repayment capability.
  • Interest Rate: Input the annual interest rate quoted by your lender. The interest rate can greatly affect your monthly payments and total repayment amount.
  • Loan Term in Months: Select the duration of the loan in months. Whether it's a short-term loan of 12 months or a long-term loan extending to 84 months, we've got you covered.
  • Start Date: Specify the start date for your loan repayment. This will help determine the payoff date.

Key Features of Our Personal Loan Calculator

Basic Calculations

  • Monthly Payments: Find out your monthly payments to manage your budget effectively.
  • Total Principal Paid: Get clarity on the total principal amount you're committing to repay.
  • Total Interest Paid: Know the total interest amount you'll pay over the course of the loan.
  • Total Amount Paid: Sum up the complete amount you will have repaid by the end of the loan term.
  • Payoff Date: Determine the exact date by which your loan will be fully repaid.

Advanced Features

  • Amortization Schedule: Our calculator provides a detailed amortization schedule so you can track the distribution of each payment between principal and interest.

What is a Amortization Schedule

An amortization schedule is a table that details each periodic payment on an amortizing loan, typically a mortgage or any other loan that requires monthly payments over a specified period. This schedule breaks down each payment into its components: principal and interest. The aim of an amortization schedule is to provide a detailed look at what happens with each payment over the life of the loan.

What to Do After Calculating Your Personal Loan Payments

Understanding Your Results

Learn how to interpret your results to make the best use of your loan amount, minimize your interest payments, and select the most suitable loan term.

What to Do Next

Once you’ve got your estimated loan details, it’s time to shop around. Compare lenders based on interest rates, loan terms, and additional charges to get the best deal.

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Important Information. Please Read Carefully.

Annual Percentage Rate ( APR ) Disclosure & Range ( Qualified Customers* )

Money4Loans offers a range of loan products with competitive interest rates that cater to your budget and financial needs. As we are not a lender, we do not guarantee specific annual percentage rates (APR), which represents the yearly interest charged to borrowers and represents the actual yearly cost of funds over the term of a loan. However, our network of reputable lenders can offer rates ranging from 5.99% up to 35.99%. It is important to note that the APR and repayment terms may differ from what is listed on our site and will be provided by the lenders or lending partners. Before accepting any loan, it is recommended that you read and understand all the terms of the agreement.

Financial Implications (Interest & Finance Charges)

Money4Loans offers its loan matching service at no charge to the borrower. However, it is crucial to fully comprehend the fees and interest rates that will be applied to the loan before accepting any offer. We remind you that we are not a lender and cannot predict or control the specific terms and conditions of any loan you may be offered.

Potential Impact on Credit Score

Our network of lenders may perform credit checks to determine your creditworthiness and information verification. Please note that missed or late payments can negatively impact your credit score. By submitting your request, you consent to our lenders verifying your credit standing and/or credit capacity.

Legal Disclaimer

Legal Notice: Money4Loans is a platform that connects borrowers with lenders or lending partners. The specific terms and conditions of your loan will be determined by the individual lender or lending partner. We receive compensation from these lenders or lending partners for connecting you with them, which may affect the offers presented to you. Any display of APR, loan amounts, interest, or other loan details are only estimates, and actual amounts can vary by lender or lending partner and by borrower. Some lenders or lending partners may perform credit checks as part of their approval process. The lender or lending partner you connect with may not offer the most favorable terms, so we encourage borrowers to compare all options before making decisions. THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS, DO NOT BROKER LOANS, AND DO NOT MAKE CREDIT DECISIONS. Nothing on this website constitutes an offer or solicitation to lend. Any information you submit will be provided to a lender or lending partner. The operator of this website does not endorse or charge you for any service or product.

Availability

Each state has its own set of rules and regulations that govern personal loan lenders. Your loan amount, APR, and repayment term will depend on your creditworthiness, state of residence, and lender or lending partner.

Material Disclosure

Money4Loans is an advertising referral service for lenders that may offer loans in amounts between $100 and $5000. We are not a lender, loan broker, or agent for any lender or loan broker. Any compensation we receive is from lenders and other advertising partners for advertising services provided. Short-term, small-dollar loans should not be used as a long-term solution to financial hardship.

Footnotes

(*) Rates from 4.95% up to 35.99% APR are available only to certain qualified customers for close-end loan products and may not be reflective of all loan products offered in our network.

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