Calculate Loan Repayments |

Our free loan calculator helps you discover the total cost of your loans quickly and easily. Simply adjust the calculator to meet your requirements. Please note, this calculator is intended to give an indication only. 


Once you have a good idea on what you can borrow, discover the best personal loan and secured loan rates for your requirements using our loans hubYou can also now apply for a pre-approved loan

Loans Repayment Calculator

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  • Personal loans from £1,000 to £35,000
  • Good and bad credit history accepted
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Personal Loans

A personal loan allows you to borrow a certain amount of money in exchange for paying a certain amount of interest. Personal loans are usually paid off in under ten years and are usually taken for amounts between £500 to £35,000. Personal loans tend to come with lower interest rates than credit cards and allow you to borrow more than credit cards too. You can use a personal loan for any number of things:

  • Small-scale home renovations
  • To consolidate debts
  • To help pay for a car

Check eligibility with multiple lenders in minutes

Moneyfacts tip Michelle Monck

You can now apply for a pre-approved loan to see a selection of lenders most likely to accept your loan application. Check eligibility with multiple lenders and get a decision in minutes without affecting your credit score.

Check your eligibility for a personal loan

Secured Loans

Secured loans provide a way to borrow large sums of money using the equity of your home as collateral against your repayments. They are also known as homeowner loans. Secured loans tend to be a lot more complex than personal loans making it important to do your research before committing to one. Secured loans are often used for:

  • Major home improvements such as extending a kitchen or adding a conservatory 
  • Debt consolidation for sums over £25,000

Curious about your credit score?

It's important to check your credit score before applying for a loan as it will affect how much you can borrow. TotallyMoney can provide you with a credit score and report for free. Use them to track your finances and to find lenders most likely to accept you.

Why use a loan repayment calculator?

Before taking out a loan it is vital to know the monthly repayments you could face, as this will determine the amount of money you can borrow. As well as this, ensuring that you can comfortably make the repayments on your loan will help to reduce the chances of getting into financial difficulty if your situation changes or an unexpected expense comes up. Lenders will also want to make sure that you can afford to make the loan repayments each month, and it is one of the factors they will look at when considering your loan application.

How to use the loan repayment calculator

Our loan repayment calculator is an easy-to-use tool that will let you know exactly what your potential loan’s monthly repayments could be. To use the calculator simply add the amount you plan to borrow in the first box and then the APR of that loan in the next box. In the bottom box, add the length of time you wish to take out the loan for, and then click the ‘calculate’ button. Once you’ve done this your results will be automatically calculated for you, allowing you to see your potential monthly repayments and the total amount you will have to repay.

What next?

Once you have a good idea on what you could borrow, discover the best loans for your requirements using our loans hub, comparing both personal loans and secured loans.

Compare all loan rates

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