United Kingdom · 1 tools
Loans & Credit calculators
Same amount, same term, then compare the monthly payment against the total you will actually repay.
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Start here, then explore the groups below.
Choose a loan calculation in the right order
Start with the amount you need to borrow, then compare monthly payments and total repayment over the same term. Treat any result as a planning estimate until you have checked the lender’s written quote and product terms.
- Use the same borrowing amount when comparing scenarios.
- Compare total repayment as well as the monthly payment.
- Check fees, introductory periods and early-settlement rules in the lender’s documents.
Amount, term, then total repaid
The Loan calculator handles any fixed-rate amortising loan — personal, car, home-improvement, or business-unsecured — by computing the monthly payment, total interest, and total repaid for any combination of principal, rate, and term.
Before applying: always compare the representative APR (advertised) with the offered APR (personalised after a soft credit check). The offered rate is typically higher for smaller loans or shorter terms. Most UK high-street lenders adjust rates in fairly wide bands — comparison sites can save you significant interest.
More tools in this category1
Use these supporting calculators when you need a more specific comparison or a second opinion on the same decision.