Personal Loan Calculator
Calculate your estimated monthly payment and see how much you may pay in interest.
Typical rates: 5.99% - 35.99%
Disclaimer: This calculator provides estimates only. Actual rates, terms, and monthly payments may vary based on your creditworthiness, lender requirements, and other factors. Rates shown are for illustrative purposes. Contact lenders for actual rates and terms.
How the Personal Loan Calculator Works
Enter Loan Details
Choose your desired loan amount, interest rate, and repayment term.
See Instant Results
View your estimated monthly payment, total interest paid, and the overall cost.
Request with Confidence
Know your options and request with the terms that best suit your needs.
Understanding Your Results
Monthly Payment: This is the amount you'll pay each month to repay your loan. This includes both the principal (the amount you borrowed) and interest.
Total Interest: The total amount you'll pay in interest over the life of the loan. Lower rates and shorter terms typically result in less total interest paid.
Total Payment: The sum of all your monthly payments over the loan term. This includes both the original loan amount and all interest charges.
Tips for Using This Calculator
Try different scenarios: Adjust the loan amount, rate, and term to see how they affect your monthly payment.
Consider shorter terms: While monthly payments are higher, you'll pay less interest over time.
Budget realistically: Choose a monthly payment that comfortably fits your budget, not the maximum you can afford.
Compare rates: Even small differences in APR can significantly impact your total cost.
Loan terms matter: Longer loan terms lower monthly payments but usually increase the total interest paid.
Personal Loan FAQs
We are here to answer your questions
A personal loan gives you a lump sum of money that you repay in fixed monthly installments over a set period — typically 2 to 6 years. Unlike credit cards, your rate is fixed, so your payment never changes. Through Cash.com, you can compare offers from multiple lenders and choose the one that fits your budget. Common uses include consolidating high-interest debt, covering medical expenses, funding home improvements, or handling emergency costs.