The numbers.
No guessing.
Explore a monthly payment, then look at the full repayment amount. Both matter when deciding whether a loan fits.
Your actual annual interest rate depends on your credit score. Adjusting this slider does not select or guarantee a rate.
Simple interest = original loan amount × annual interest rate × term in years. No additional fees are included. Monthly payments are rounded to cents; the final payment may differ slightly. This rate is not an APR calculation. Your agreement confirms the repayment schedule and applicable disclosures.
Get startedThis tool is an estimate, not an offer or eligibility decision. It calculates simple interest on the original principal for the full term. Your signed agreement governs your loan.
Smaller payments.
A longer commitment.
For the same $5,000 loan at 29.99% annual interest, extending the term changes both the monthly payment and total interest.
| Example term | Monthly payment | Borrowing cost | Total repayment |
|---|---|---|---|
| 12 months | $541.63 | $1,499.50 | $6,499.50 |
| 24 months | $333.29 | $2,999.00 | $7,999.00 |
| 36 months | $263.85 | $4,498.50 | $9,498.50 |
| 60 months | $208.29 | $7,497.50 | $12,497.50 |
Examples assume equal monthly payments and no additional fees. Totals use unrounded calculations; final instalments may differ due to rounding.
What to
look for.
What does APR mean?
How is my rate determined?
Are any fees included in the calculator?
Can I choose any amount and term?
Why might my actual payment differ?
Make room for
what’s next.
Explore your options. Understand the costs. Take the next step when you’re ready.