How to use this loans & credit hub
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 category
Use these supporting calculators when you need a more specific comparison or a second opinion on the same decision.