Personal Loan Calculator — Monthly Payment & Interest
Reviewed 2026-06-03 · FinCalc Hub Editorial
Personal loans have fixed monthly payments over a set term. Enter your amount, APR, and term to see your payment and how much interest you'll pay over the life of the loan.
Monthly payment$387.68
Total interest$3,609
Total repaid$18,609
Estimate only. Origination fees and APR vary by lender and credit score.
Frequently asked questions
- What APR will I get?
- Personal loan APRs depend heavily on your credit score, income, and lender — strong credit can mean single digits, while fair credit may see 15–30%.
- Does a longer term help?
- A longer term lowers the monthly payment but increases total interest. Pick the shortest term you can comfortably afford.