Estimate the payment—and the full cost.

Change the amount, APR, and term to see how borrowing choices affect monthly and total costs.

Estimate only. This calculator assumes a fixed APR, equal monthly payments, no additional fees, and payments made on schedule. A provider’s calculation, disbursement amount, rounding, fees, and payment dates may differ. Results are not an offer or approval.

How to use the result

Test more than one scenario. A shorter term usually raises the monthly payment but can reduce interest. A longer term often lowers the payment but may increase total repayment. If there is an origination fee, compare both the cash you receive and the amount you must repay.

The formula

The calculator uses the standard amortizing-payment formula based on principal, monthly interest rate, and number of monthly payments. At 0% APR, it divides principal evenly across the term.