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Personal Loan Calculator
Make use of an individual loan calculator to estimate the monthly payments and total interest cost of the loan.
Updated on September 9, 2022.
Many or all of the products featured here are from our partners who compensate us. This affects the products we feature as well as the place and way the product is featured on a page. However, this does not influence our evaluations. Our views are our own. Here’s a list of and .
An individual loan calculator will determine your monthly payments and the estimated loan end date. This calculator will help you determine how much you can afford to borrow and how long it will take to pay back depending on your credit score, loan amount and repayment time.
Personal loan calculator
Personal loans from our partners
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet’s ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including the impact on credit score, rates and fees, customer service and responsible lending practices.
5.0 NerdWallet’s rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including the impact on credit score rate and fees, customer experience and ethical lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet’s ratings were determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including impact to credit score rates and fees, the customer experience and responsible lending practices.
4.5 NerdWallet’s ratings were determined by our editorial staff. The scoring formula takes into account aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees as well as the customer’s experience and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 – $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to the consumer, including the impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet’s ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers’ experience, and responsible lending practices.
APR 7.74-17.99%
Amount of loan $600-$50,000
on PenFed Credit Union
On Upgrading
Upgrade
5.0 NerdWallet’s rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit scores, rates and fees, the customer experience and ethical lending practices.
5.0 NerdWallet’s rating is determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers’ experience, and responsible lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
On Upgrade
on Upstart
Upstart
4.5 NerdWallet’s ratings are compiled by our editorial team. The scoring formula considers the factors we believe to be a good choice for consumers, such as impact to credit score, rates and fees customers’ experience, and ethical lending practices.
4.5 NerdWallet’s ratings were determined by our editorial staff. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers’ experience, and responsible lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 – $50,000
on Upstart
on LightStream
LightStream
5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula is based on factors we consider to be a good choice for consumers, such as impact to credit score, rates and fees customers’ experience, and responsible lending practices.
5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit score rates and fees, customer experience and ethical lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Amount of loan: $5,000 – $100,000
on LightStream
on LightStream
LightStream
5.0 NerdWallet’s ratings are determined by our editorial staff. The scoring formula is based on factors we consider to be beneficial to consumers, including the impact on credit score, fees and rates as well as the customer’s experience and responsible lending practices.
5.0 NerdWallet’s ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be beneficial to consumers, including impact to credit score, rates and fees as well as the customer’s experience and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on Axos
Axos
4.0 NerdWallet’s rating is determined through our team of editors. The scoring formula is based on aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates customers’ experience, and responsible lending practices.
4.0 NerdWallet’s ratings are compiled through our team of editors. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as impact on credit score, fees and rates customers’ experience, and responsible lending practices.
APR 7.99-14.99%
Loan amount $5,000 – $50,000
on Axos
On Upgrading
Upgrade
5.0 NerdWallet’s rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet’s ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees customers’ experience, and responsible lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 – $50,000
on the Upgrade
on SoFi
SoFi
5.0 NerdWallet’s rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer’s experience and responsible lending practices.
5.0 NerdWallet’s ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to the consumer, including impact on credit score, rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet’s ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, such as the impact on credit score, rates and fees as well as the customer’s experience and ethical lending practices.
APR 8.99-35.99%
Amount of loan $2,000 – $50,000
on Best Egg
on Achieve
Achieve
5.0 NerdWallet’s ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including impact to credit score rate and fees, the customer experience and ethical lending practices.
5.0 NerdWallet’s ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score fees and rates customers’ experience, and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 – $50,000
On Achieving
on OneMain Financial
OneMain Financial
4.0 NerdWallet’s ratings are compiled by the editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit score, rates and fees customers’ experience, and responsible lending practices.
4.0 NerdWallet’s rating is determined by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including the impact on credit score rate and fees, customer experience and responsible lending practices.
APR 18.0-35.99%
Loan amount $1,500 – $20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula considers the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet’s ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, such as impact on credit score, rates and fees as well as the customer’s experience and ethical lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
on the Best Egg
Best Egg
4.5 NerdWallet’s ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be beneficial to the consumer, including the impact on credit score, fees and rates customers’ experience, and responsible lending practices.
4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be a good choice for consumers, such as impact to credit score, fees and rates, customer experience and ethical lending practices.
APR 8.99-35.99%
Amount of loan $2,000 – $50,000
on Best Egg
on Discover
Discover
5.0 NerdWallet’s ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet’s rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer experience and ethical lending practices.
APR 6.99-24.99%
Loan amount $2,500 – $35,000
on Discover
On Achieving
Reach your goals
5.0 NerdWallet’s ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including impact to credit score, rates and fees, customer service and responsible lending practices.
5.0 NerdWallet’s ratings are compiled by our editorial team. The scoring formula takes into account aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 7.99-29.99%
Loan amount $5,000 – $50,000
on Achieve
on SoFi
SoFi
5.0 NerdWallet’s ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, such as impact on credit score, rates and fees as well as the customer’s experience and responsible lending practices.
5.0 NerdWallet’s rating is determined by our editorial team. The scoring formula is based on factors we consider to be a good choice for consumers, such as the impact on credit score rate and fees, customer service and ethical lending practices.
APR 7.99-23.43%
Loan amount $5,000 – $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet’s ratings were determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula considers factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers’ experience, and ethical lending practices.
APR 11.69-35.93%
Loan amount $1,000 – $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet’s ratings are determined by our editorial staff. The scoring formula is based on factors we consider to be beneficial to the consumer, including impact on credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit scores, rates and fees, the customer experience and ethical lending practices.
APR 6.99-24.99%
Amount of loan $2,500 – $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including impact to credit score rate and fees, customer service and ethical lending practices.
4.5 NerdWallet’s ratings were determined by our editorial team. The scoring formula considers aspects we consider to be beneficial to consumers, including the impact on credit score rates and fees, customer experience and responsible lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 – $50,000
on Upstart
on Achieving
Reach your goals
5.0 NerdWallet’s rating is determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as the impact on credit score rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet’s ratings are compiled by our editorial team. The scoring formula is based on factors we consider to be beneficial to consumers, including impact to credit score, fees and rates customers’ experience, and ethical lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $50,000.
On Achieving
on SoFi
SoFi
5.0 NerdWallet’s ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet’s rating is determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including the impact on credit score fees and rates, customer experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet’s ratings were determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, such as the impact on credit score rate and fees, the customer experience and responsible lending practices.
4.5 NerdWallet’s ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer’s experience and responsible lending practices.
APR 8.99-35.99%
Amount of loan $2,000 – $50,000
on Best Egg
on LightStream
LightStream
5.0 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, fees and rates as well as the customer’s experience and ethical lending practices.
5.0 NerdWallet’s rating is determined by our editorial team. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers’ experience, and ethical lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Amount of loan: $5,000 – $100,000
on LightStream
on SoFi
SoFi
5.0 NerdWallet’s ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit score rate and fees, customer service and responsible lending practices.
5.0 NerdWallet’s rating is determined by our editorial staff. The scoring formula is based on factors we consider to be a good choice for consumers, such as impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 – $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet’s ratings were determined by our editorial team. The scoring formula considers aspects we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet’s ratings were determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers’ experience, and responsible lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 – $50,000
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet’s ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as the impact on credit scores rate and fees, customer experience and ethical lending practices.
5.0 NerdWallet’s rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit score, rates and fees as well as the customer’s experience and ethical lending practices.
APR 8.3-36.0%
Amount of loan: $1,000 – $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet’s ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be a good choice for consumers, such as impact to credit score, rates and fees customers’ experience, and ethical lending practices.
4.5 NerdWallet’s ratings were determined by our editorial team. The scoring formula considers the factors we believe to be beneficial to the consumer, such as impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 – $50,000
on Upstart
How to find a personal loan
When you’ve decided on the loan amount, rate and repayment term you’re after, it’s the time to look around and look at deals. Here are the steps :
Check your credit. Review your credit report for any errors and address them prior to applying. You can request an unrestricted copy of your credit report from the three credit bureaus at .
Pre-qualify. A majority of lenders will allow you to pre-qualify to see estimated rates without impacting your score on credit. When you apply, you’ll be required to submit basic details such as employment status and annual income, along with the reasons you’re borrowing as well as the the requested loan amount.
Compare lenders . The interest rate for a loan’s annual percentage as well as the monthly payments and fees are usually the most important elements to evaluate. If you have two competitive loan offers, take into consideration timing for funding, flexibility in payment and other perks such as unemployment insurance.
Find out if you’re pre-qualified for a personal loan without impacting your credit score
Simply answer a few questions to receive an estimate of your personal rate from a variety of lenders.
The loan amount
on NerdWallet
How to use the personal loan calculator
Select your . If, for instance, you have a credit score of 740 points, you’re in the excellent range. It’s possible to check it on NerdWallet.
Choose your desired loan size and loan duration. Personal loan amounts can range between $1,000 and $100,000, and typical repayment terms range from one to seven years. A longer loan duration will mean lower monthly installments, but greater interest charges.
Pick your loan start date. Input your expected first date of payment usually between 30 and 45 days following the signing of the loan agreement. If you’re not sure what your payment due date is, select the date that’s 30 days after you need the funds.
Hit calculate to see the results. Results are based on a survey of annual percentage rates offered by lenders in NerdWallet’s personal loan marketplace. A few of these lenders are featured in the findings.
Knowing the individual loan calculator results
Payments for the month: That’s how much you can expect to pay each month, based upon the loan quantity, loan term and your estimate rate. Monthly payments are less if you opt for the longer loan duration.
Estimated APR: Borrowers who have better credit scores usually receive lower interest rates, but lenders could also consider your , among other elements. Most personal loans have fixed rates, which means that your interest rate and monthly payments won’t change over the life that you have the loan. APRs are based on one-time fees to cover the cost for processing the loan.
Here are the estimated for the various credit scores:
How is your credit?
Score range
Estimated APR
Excellent
720-850.
11.3%.
Good
690-719.
15.6%
Fair
630-689.
22.3%.
Bad
300-629.
25.2%.
Source The average rates are based on aggregate, anonymized offer data from those who have pre-qualified on NerdWallet’s lending marketplace between July 1, 2022, until October. 31st, 2022. Rates are estimates only and are not applicable to any particular lender. Credit scores that are the lowest- usually less than a credit score of 500 — are unlikely to be eligible. This table applies only to lenders who have an APR below 36 percent.
Total amount repaid: This is the total amount you’ll have to repay with interest, not including the amount you owe at the end of the loan. Someone with a good credit score is likely to pay less interest than someone with bad credit (a score less than 630). The longer your loan term, the more cost of interest you’ll be paying.
Payoff date: The day you’re expected to pay the loan off in the event that you make the same monthly installment throughout the duration of the loan. The amortization table shows how much loan amount will decrease each month and how your payment will be split between interest and principal.
>> MORE:
The year’s top personal loans
Browse our Best-Of Awards to review the best personal loans and decide on the best one for your particular needs.
Other loan calculators
Calculate your debt-to-income ratio which is the total of your monthly debt payments divided by your income.
Learn about the process of debt consolidation and calculate how much consolidating debt could save you.
Find out about individual loan alternatives your credit will get you.
: Use this calculator to determine if refinancing an existing personal loan is a good idea for you.
>> See more of NerdWallet’s
Most frequently asked questions What could I make use of a personal loan to use it for?
You can , including the consolidation of debt, home improvement projects or refinancing an existing loan.
What is the best interest rate on an individual loan?
The best personal loan price is usually the lowest one you qualify for. Borrowers with good or excellent credit (690 or better credit score) can expect the lowest rates. Borrowers with lower credit scores and high debt-to-income ratios often are charged higher APRs.
What is the best location to get a personal loan?
It is contingent upon factors such as the lender’s minimum requirements as well as the rates and fees they charge, as well as the loan amounts, terms and other features which are important to you.
How do I obtain a personal loan fast?
Find a lender who offers . A majority of these lenders will provide a loan on the same or the next day following approval. To accelerate the process, you should gather all the necessary documents such as W-2s, bank statements, and pay stubs before you apply.
What can I do to get a personal loan even if I have bad credit?
The first step is to compare the one with a low APR and reasonable monthly payments. To increase your chance of being accepted, you should consider including a co-applicant to the loan applicaiton. Secured and co-signed loans often have softer qualifiction requirements.
What can I use my personal loan for?
You may do it, such as debt consolidation, home improvement projects, or refinancing an existing loan.
What’s a good interest rate for an individual loan?
The most favorable rate for a personal loan rate is the one with the lowest one that you are eligible for. People with excellent or good credit (690 or higher credit score) are likely to receive the lowest rates. Credit score – Poorer borrowers and high debt-to-income ratios usually pay higher APRs.
Where is the best location to obtain the personal loan?
It is contingent upon factors such as the lender’s minimum qualification requirements, the rates and fees it charges, as well as loan amounts, terms and other aspects that are important to you.
How can I get a personal loan fast?
Choose a lender that offers . A lot of these lenders are able to pay the loan the same or next day following approval. To expedite the process, collect documents like W-2s, pay stubs , and bank statements before you apply.
What can I do to get a personal loan even if I have bad credit?
Before you do that, look for the one with a low APR and low monthly payment. To increase your chances of being approved, think about including a co-applicant to the loan application. Secured and co-signed loans typically have lower qualification requirements.
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