Personal Loan Calculator

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We might earn a commission from links in this content. <a href="https://www.marketwatch.com/guides/reviews-team/">Learn More</a></p> </div> </div> <main> <div class="c-article-hero design-3 with-image background-light-green"> <div class="wrapper"> <div class="c-article-hero-top text-dark"> <nav class="c-breadcrumbs "> <a href="https://www.marketwatch.com">MarketWatch</a> <a href="https://www.marketwatch.com/guides/">Guides</a> <a href="https://www.marketwatch.com/guides/personal-loans/">Personal Loans</a> </nav> <div class="hero-top-buttons"> <button type="button" class="compliance-disclosure-trigger" aria-controls="modal-compliance-disclosure"> Advertiser Disclosure </button> <div role="dialog" id="modal-compliance-disclosure" class="c-modal modal-compliance-disclosure" aria-modal="true" aria-labelledby="compliance-disclosure-title" > <div class="backdrop" aria-hidden="true" data-modal-close> </div> <div class="box"> <button type="button" class="close" data-modal-close> <div aria-hidden="true"></div> <div aria-hidden="true"></div> </button> <div class="content"> <span id="compliance-disclosure-title" class="title"> Advertiser Disclosure </span> <div class="wysiwyg"><p>MarketWatch Guides may receive compensation from companies that appear on this page. The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. 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This can help you make more informed decisions about your money and stay within your budget</p> </div> </div> </div> </div> </div> <div class="c-article-overview with-background"> <div class="wrapper"> <div class="bar "> <div class="authors"> <div class="author"> <div class="c-picture author-photo"> <img width="38" height="38" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-38x38 size-38x38 lazyload ewww_webp_lazy_load" alt="" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-150x150.png" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-150x150.png 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-300x300.png 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-1024x1024.png 1024w, 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class="author-prefix">Written by</span> <span class="author-name"> <a href="https://www.marketwatch.com/guides/authors/cheri-read/" target="_blank" class="author-name"> Cheri Read </a> <span class="c-author-box"> <span class="author-box-top"> <div class="c-picture author-box-photo"> <img width="65" height="65" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-65x65 size-65x65 lazyload ewww_webp_lazy_load" alt="" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-150x150.png" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-150x150.png 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-300x300.png 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-1024x1024.png 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-768x768.png 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-1536x1536.png 1536w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read.png 1600w" data-sizes="auto" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-150x150.png.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-150x150.png.webp 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-300x300.png.webp 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-1024x1024.png.webp 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-768x768.png.webp 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-1536x1536.png.webp 1536w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read.png.webp 1600w" /><noscript><img width="65" height="65" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-150x150.png" class="attachment-65x65 size-65x65" alt="" loading="lazy" decoding="async" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-150x150.png 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-300x300.png 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-1024x1024.png 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-768x768.png 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-1536x1536.png 1536w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read.png 1600w" sizes="(max-width: 65px) 100vw, 65px" data-eio="l" /></noscript> <a href="https://www.marketwatch.com/guides/authors/cheri-read/" aria-label="Learn more about Cheri Read" title="Learn more about Cheri Read" class="c-link "> Learn more about Cheri Read</a> </div> <span> <span class="author-box-prefix">Written by</span> <a class="author-box-name" href="https://www.marketwatch.com/guides/authors/cheri-read/" target="_blank">Cheri Read</a> <span class="author-box-roles">Writer</span> </span> </span> <span class="author-box-description"><p><span style="font-weight: 400;">Cheri Read is a former accountant turned professional personal finance writer. She is a MarketWatch Guides team writer specializing in personal loans, home equity loans, accounting and banking.</span></p> </span> </span> </span> </div> </div> </div> </div> </div> </div> <div class="c-article-body"> <div class="wrapper"> <div class="gutenberg-wrapper"> <div class="gutenberg"> <hr class="wp-block-separator has-alpha-channel-opacity"/> <br> <div class="loan-calculator"> <div class="header"> <svg class="header-icon" width="56" height="56" viewBox="0 0 56 56" fill="none" xmlns="http://www.w3.org/2000/svg"> <circle cx="28" cy="28" r="27.3333" stroke="#343434" stroke-width="1.33333" /> <mask id="path-2-inside-1_75_71" fill="white"> <rect x="39.1631" y="25.5078" width="7.66492" height="16.8628" rx="1.02199" /> </mask> <rect x="39.1631" y="25.5078" width="7.66492" height="16.8628" rx="1.02199" stroke="#343434" stroke-width="2.67463" mask="url(#path-2-inside-1_75_71)" /> <path d="M39.8004 28.957H37.7683C35.414 28.957 33.0978 29.552 31.0349 30.6866L29.8522 31.337C29.3388 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17.2011 24.757 17.2303C24.7161 17.2595 24.6664 17.2741 24.608 17.2741C24.5642 17.2741 24.5116 17.261 24.4502 17.2347C24.3889 17.2055 24.3202 17.1719 24.2442 17.1339C24.1683 17.093 24.0821 17.0521 23.9857 17.0112C23.8922 16.9703 23.7885 16.9367 23.6745 16.9104L23.5211 18.7248Z" fill="#343434" /> </svg> <div> <h2 class="header-title">PERSONAL LOAN CALCULATOR</h2> <span class="header-subtitle"> Enter your projected loan amount, term and interest rate to see your estimated monthly payments and the total interest you can expect to pay. </span> </div> </div> <div class="body"> <div class="loan-calculator-form"> <span class="loan-calculator-form__title"> LOAN INFORMATION </span> <span class="loan-calculator-form__subtitle"> </span> <div class="input-slider" id="loanAmountSlider"> <label class="input-slider__label"> How much is your loan amount? </label> <span class="input-slider__value"> $10,000 </span> <input class="input-slider__text-input" type="number" value="10000" /> <input class="input-slider__input" type="range" min="1000" max="100000" step="1000" value="10000" /> <div class="input-slider__range-container"> <span class="input-slider__range"> $1,000 </span> <span class="input-slider__range"> $100,000 </span> </div> </div> <div class="input-slider" id="loanTermSlider"> <label class="input-slider__label"> What is your loan term? </label> <span class="input-slider__value"> 5 years </span> <input class="input-slider__text-input" type="number" value="5" /> <input class="input-slider__input" type="range" min="1" max="9" step="1" value="5" /> <div class="input-slider__range-container"> <span class="input-slider__range"> 1 years </span> <span class="input-slider__range"> 9 years </span> </div> </div> <div class="input-slider" id="interestRateSlider"> <label class="input-slider__label"> What is your interest rate? </label> <span class="input-slider__value"> 8% </span> <input class="input-slider__text-input" type="number" value="8" /> <input class="input-slider__input" type="range" min="2" max="35" step="0.1" value="8" /> <div class="input-slider__range-container"> <span class="input-slider__range"> 2% </span> <span class="input-slider__range"> 35% </span> </div> </div> <div class="loan-calculator-form__submit"> <button class="loan-calculator-form__submit-button">Calculate</button> </div> </div> <div class="loan-calculator-chart"> <div class="loan-calculator-chart__graph"> <canvas id="loan-calculator-graph"></canvas> <div class="loan-calculator-chart__overlay"> <span class="loan-calculator-chart__overlay-title">Monthly Payment</span> <span class="loan-calculator-chart__overlay-subtitle">$202.76</span> </div> </div> <div class="loan-calculator-chart__legend"> <div class="loan-calculator-chart__line-item"> <span class="loan-calculator-chart__legend-item loan-calculator-chart__legend-item--principal"> Principal </span> <span class="loan-calculator-chart__legend-item loan-calculator-chart__legend-item--interest"> Interest </span> </div> <div class="loan-calculator-chart__line-section"> <div class="loan-calculator-chart__line-item"> <span class="loan-calculator-chart__line-item-property">Total Principal Paid</span> <span class="loan-calculator-chart__line-item-value loan-calculator-chart__line-item-value--principal"> $10,000 </span> </div> <div class="loan-calculator-chart__line-item"> <span class="loan-calculator-chart__line-item-property">Total Interest Paid</span> <span class="loan-calculator-chart__line-item-value loan-calculator-chart__line-item-value--interest"> $2,166 </span> </div> </div> <div class="loan-calculator-chart__line-item"> <span class="loan-calculator-chart__line-item-property">Total Paid</span> <span class="loan-calculator-chart__line-item-value loan-calculator-chart__line-item-value--total"> $12,166 </span> </div> <span class="loan-calculator-chart__toggle-amortization">Show amortization schedule</span> </div> <svg class="loan-calculator-chart__logo" 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66.903Z" fill="#343434" /> <path d="M158.989 64.6281C158.989 66.1856 157.869 67.8131 156.172 67.8131C154.894 67.8131 154.194 66.8681 154.194 65.7306C154.194 64.0681 155.367 62.5106 157.012 62.5106C158.394 62.5106 158.989 63.5431 158.989 64.6281ZM155.104 65.6956C155.104 66.5181 155.559 67.1306 156.294 67.1306C157.327 67.1306 158.097 65.8181 158.097 64.6281C158.097 64.0331 157.817 63.2106 156.907 63.2106C155.822 63.2106 155.087 64.5406 155.087 65.7131L155.104 65.6956Z" fill="#343434" /> <path d="M159.707 67.7077L160.39 64.1027C160.512 63.5427 160.565 63.0352 160.635 62.6152H161.405L161.282 63.6127H161.3C161.755 62.8952 162.437 62.4927 163.172 62.4927C163.785 62.4927 164.467 62.8427 164.467 63.9102C164.467 64.1377 164.432 64.4527 164.38 64.7327L163.82 67.6902H162.945L163.505 64.7677C163.54 64.5752 163.575 64.3302 163.575 64.1202C163.575 63.6127 163.382 63.2277 162.77 63.2277C162.157 63.2277 161.265 63.9802 161.037 65.2402L160.582 67.7077H159.707Z" fill="#343434" /> <path d="M169.086 67.4106C168.701 67.6381 168.089 67.8131 167.406 67.8131C166.059 67.8131 165.481 66.9031 165.481 65.7831C165.481 64.2431 166.619 62.5106 168.246 62.5106C169.209 62.5106 169.734 63.0881 169.734 63.8056C169.734 65.1356 168.229 65.4856 166.356 65.4681C166.321 65.6956 166.356 66.1681 166.461 66.4306C166.654 66.8856 167.074 67.1131 167.599 67.1131C168.194 67.1131 168.649 66.9206 168.964 66.7631L169.086 67.4106ZM168.124 63.1931C167.301 63.1931 166.671 63.9981 166.461 64.8031C167.826 64.8031 168.894 64.6281 168.894 63.8406C168.894 63.4206 168.579 63.1931 168.124 63.1931Z" fill="#343434" /> <path d="M170.329 66.8156C170.574 66.9556 171.012 67.1306 171.414 67.1306C172.009 67.1306 172.377 66.7456 172.377 66.3081C172.377 65.9056 172.202 65.6606 171.677 65.3806C171.082 65.0481 170.767 64.6106 170.767 64.0856C170.767 63.1931 171.537 62.5106 172.604 62.5106C173.059 62.5106 173.479 62.6331 173.672 62.7556L173.427 63.4206C173.252 63.3156 172.919 63.1931 172.552 63.1931C172.027 63.1931 171.642 63.5256 171.642 63.9631C171.642 64.3306 171.887 64.5581 172.342 64.8206C172.902 65.1531 173.304 65.5906 173.304 66.1506C173.304 67.2181 172.429 67.8131 171.362 67.8131C170.819 67.8131 170.329 67.6381 170.102 67.4631L170.347 66.8156H170.329Z" fill="#343434" /> </svg> </div> </div> <div class="loan-calculator-amortization"> <svg class="loan-calculator-amortization__close" width="8" height="14" viewBox="0 0 8 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.656 9H6.504C6.416 9 6.346 8.978 6.294 8.934C6.246 8.886 6.206 8.834 6.174 8.778L3.87 5.166C3.838 5.262 3.802 5.344 3.762 5.412L1.518 8.778C1.478 8.834 1.434 8.886 1.386 8.934C1.342 8.978 1.28 9 1.2 9H0.12L3.078 4.584L0.24 0.401999H1.398C1.482 0.401999 1.544 0.415999 1.584 0.443999C1.624 0.472 1.66 0.512 1.692 0.564L3.936 4.008C3.964 3.924 4.006 3.832 4.062 3.732L6.18 0.588C6.212 0.532 6.25 0.488 6.294 0.456C6.338 0.42 6.39 0.401999 6.45 0.401999H7.56L4.71 4.53L7.656 9Z" fill="#7F7E7E" /> </svg> <div class="loan-calculator-amortization__header"> <div class="loan-calculator-amortization__start-date"> <span class="loan-calculator-amortization__start-date-title">Start Date</span> <input class="loan-calculator-amortization__start-date-input" type="date" /> </div> <div class="loan-calculator-amortization__payoff-date"> <span class="loan-calculator-amortization__payoff-date-title">Estimated Payoff Date</span> <span class="loan-calculator-amortization__payoff-date-value">September 6, 2028</span> </div> </div> <div class="loan-calculator-amortization__table"> <span class="loan-calculator-amortization__table-title">Amortization schedule</span> <div class="loan-calculator-amortization__table-target"></div> </div> </div> </div> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-how-to-use-our-personal-loan-calculator">How To Use Our Personal Loan Calculator</h2> <p>Our personal loan calculator is straightforward and easy to use. Here’s a brief rundown:</p> <ol> <li><strong>Enter your loan amount:</strong> Get started by entering the loan amount you’re considering. Most of the <a href="https://www.marketwatch.com/guides/personal-loans/best-personal-loans/" data-type="post" data-id="117925">best personal loans</a> range from $1,000 to $50,000. However, some lenders offer them in amounts as low as $250 or as high as $500,000. </li> <li><strong>Enter your interest rate:</strong> While it’s usually impossible to know the exact interest rate you’ll qualify for, you can enter a likely range based on your credit score. Current personal loan rates are around 5.99% to 35.99% annual percentage rate (APR). The national average rate stood at 12.17% in August, <a href="https://fred.stlouisfed.org/series/TERMCBPER24NS">according to the latest data</a> from the Federal Reserve. That’s a good place to start, but with a very good credit score range (740 and up), you can expect a lower interest rate. </li> <li><strong>Choose your repayment term:</strong> Personal loan repayment terms vary between lenders, but typical ranges are one to seven years. Longer terms are available for most large loans. A longer term will mean a lower monthly payment, but you’ll pay more in interest over the life of the loan. Shorter-term loans have higher monthly payments, but you’ll save money overall. This calculator can help you find the term that works best for your budget.</li> </ol> <p>The main figure you’ll see in the results will be your estimated monthly payment amount. As you can see, these payments will vary based on the loan amount, interest rate and repayment term. </p> <p>To get approved for a personal loan, lenders usually take a broad look at your entire financial situation, rather than just your credit score. </p> <p>One of the other metrics a lender considers is your debt-to-income ratio (DTI). This calculates the amount of monthly income going toward the debt payments you already have, such as credit cards and car loans. </p> <p>A good DTI is considered 43% and below, but most personal lenders like to see this number at 36% or less. To calculate this yourself, simply add up all your monthly bills and divide that total by your gross monthly income. </p> <p>For example, let’s say you have monthly debt payments totaling $2,750 and a total gross monthly income of $6,500. Your DTI ratio would be 42.3% (2,750/6,500 = .0423).</p> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-next-steps-after-estimating-payments">Next Steps After Estimating Payments</h2> <p>If you’ve decided a personal loan is right for you, it’s time to take the next steps. </p> <ol> <li><strong>Research:</strong> First, you can identify a few different personal loan companies that fit your financial situation. Once you’ve found a few, read their loan terms carefully. Each institution has its own rates, loan amounts and terms, so you’ll want to find one that fits your needs. </li> <li><strong>Prequalify:</strong> While our loan calculator provides detailed estimates of personal loan terms, the actual cost of the loan will vary among lenders. Most lenders offer the option to quickly prequalify for a loan on their websites without taking a hit to your credit score. If that option is available from the lenders you chose, do this before submitting a full application – and use the numbers you receive to compare offers. It’s important to either prequalify or apply with several different lenders to properly weigh all your loan options. </li> <li><strong>Evaluate: </strong>Once you’re able to see some actual quotes from personal loan lenders, you should evaluate your financial situation based on these terms. Can you afford the monthly payments? Are you able to secure favorable enough terms for the loan to be worth the commitment? </li> <li><strong>Apply:</strong> Once you’ve made your decision on the best lender, you will need to fill out a full loan application. In most cases, you’ll be asked to submit further documentation, such as pay stubs, personal identification or bank statements. </li> <li><strong>Review:</strong> Once again, read the loan terms carefully before signing the final agreement. Ask your lender to clear up anything that is unclear.</li> <li><strong>Accept:</strong> If you’re comfortable with the loan terms, you can accept your offer. The lender will then disburse the funds according to its schedule.</li> <li><strong>Repay:</strong> Your first personal loan payment will probably be due in about 30 days from the date of disbursement. Prepare your budget ahead of time to make room for the new debt. </li> </ol> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-comparing-personal-loan-offers">Comparing Personal Loan Offers</h2> <p>The key to finding the best loan for your needs is to compare personalized quotes from various lenders. This allows you to see your actual projected payments and terms based on your unique credit history. </p> <p>However, while estimating your monthly payments is a great starting point, there are a few other factors to consider when evaluating your loan offers. Here are a few tips to help you out:</p> <ol> <li><strong>Shop around:</strong> A common mistake many borrowers make is going with the first lender they come across. You’ve probably done some research to find a quality lender, but shopping around will help you secure the best rates and terms. Cast a wide net when getting quotes to make sure you have a good understanding of all your options. </li> <li><strong>Consider overall costs:</strong> Monthly payments are an important factor, but don’t focus solely on that. Instead, assess the overall total cost. This includes the principal amount borrowed, any associated fees and the interest you’ll pay over the life of the loan.</li> <li><strong>Read the fine print:</strong> Avoid surprises by reading your loan agreement carefully before you sign anything. Look for any sneaky charges or fees that might affect the cost of the loan. Some of those fees include origination fees or early repayment penalties.</li> <li><strong>Look for perks:</strong> Some lenders offer additional benefits that can make their loans more attractive. For example, LightStream offers a “Rate Beat Program” that allows you to get 0.10 percentage points lower than you can find with its competitors, and Upgrade offers a rate discount for borrowers who use their loans for debt consolidation. Other lenders offer discounts for things like holding an active checking account with them or for setting up autopay. And credit unions may have even better perks for their members. These discounts can often be found in the FAQ section of lender websites or in the fine print at the bottom of the web page.</li> </ol> <div class="ad-widget-block" id="threes-cta-widget-block-block_b22b11d11f6fe9ef004dc740dbe41383"> <style>.custom-code-widget .brand-panel-disclosure{display:grid;grid-auto-flow:column;align-items:center;gap:5px;width:fit-content;margin-top:5px;margin-left:auto;font-size:14px}.custom-code-widget .brand-panel-disclosure-trigger{position:relative;z-index:10}.custom-code-widget .brand-panel-disclosure-trigger svg{width:.5em}.custom-code-widget .brand-panel-disclosure-trigger:hover .brand-panel-disclosure-text{top:calc(100% + 13px);visibility:visible;opacity:1}.custom-code-widget .brand-panel-disclosure-text{position:absolute;top:calc(100% + 18px);right:-10px;width:max-content;max-width:290px;padding:15px;visibility:hidden;opacity:0;background:#fff;font-size:16px;border-top:1px solid var(--button-background-color);box-shadow:0 0 15px rgba(0,0,0,.15);text-align:left;transition-property:top,visibility,opacity;transition-duration:.2s}.custom-code-widget .brand-panel-disclosure-text::before{content:"";position:absolute;top:-10px;right:4px;z-index:-1;width:17px;height:10px;clip-path:polygon(50% 0,100% 100%,0 100%);background:var(--button-background-color)}@media (min-width:1420px){.custom-code-widget .brand-panel-disclosure-text,.custom-code-widget .brand-panel-disclosure-text::before{right:auto;left:50%;transform:translateX(-50%)}}</style><div class="custom-code-widget" id="widget-wrapper-109165_1"> <div id="personal-loans-rates-table-shortened"> </div> <script type="pmdelayedscript" data-cfasync="false" data-no-optimize="1" data-no-defer="1" data-no-minify="1"> var script = document.createElement('script'); script.type = "text/javascript"; script.addEventListener("load", function(event) { CredibleSDK.initWidget('#personal-loans-rates-table-shortened', { environment: 'production', product: { marketplace: 'personal-loan', type: 'rate-table', variation: 'shortened', }, ui: { customStyles: { primaryColor: '#3ba14a', secondaryColor: '#3ba14a', } }, analytics: { source: 'threeships', }, }) }); script.src = "https://sdk.credible.com/sdk.js"; document.getElementsByTagName('head')[0].appendChild(script); </script></div> </div> <hr class="wp-block-separator has-alpha-channel-opacity"/> <section class="b-accordion"> <div class="wrapper"> <h2 class="heading">Frequently Asked Questions About Personal Loans</h2> <div class="c-accordion style-default"> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="674a2c6b2a839-accordion-content-0" id="674a2c6b2a839-accordion-trigger-0"> <span> <h3 class="accordion-trigger-text">How do you calculate monthly payments on a personal loan?</h3> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="674a2c6b2a839-accordion-content-0" role="region" aria-labelledby="674a2c6b2a839-accordion-trigger-0" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">You can use an online calculator like the one above to estimate your monthly payments for a personal loan, or you can plug your information into this formula:</span></p> <p><span style="font-weight: 400;">A = P{[r(1+r)</span><span style="font-weight: 400;">n</span><span style="font-weight: 400;">]/[(1+r)</span><span style="font-weight: 400;">n-1</span><span style="font-weight: 400;">]}</span></p> <p><span style="font-weight: 400;">A = monthly payment</span></p> <p><span style="font-weight: 400;">P = principal</span></p> <p><span style="font-weight: 400;">R = monthly interest rate</span></p> <p><span style="font-weight: 400;">N = loan term (months)</span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="674a2c6b2a839-accordion-content-1" id="674a2c6b2a839-accordion-trigger-1"> <span> <h3 class="accordion-trigger-text">Does loan term affect monthly payments?</h3> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="674a2c6b2a839-accordion-content-1" role="region" aria-labelledby="674a2c6b2a839-accordion-trigger-1" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">Loan terms can significantly impact monthly payment amounts on your loan. A longer loan term will spread your payments out further, but will often come with a higher interest rate, which will make the loan amount higher.</span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="674a2c6b2a839-accordion-content-2" id="674a2c6b2a839-accordion-trigger-2"> <span> <h3 class="accordion-trigger-text">What credit score is needed for the lowest interest rates?</h3> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="674a2c6b2a839-accordion-content-2" role="region" aria-labelledby="674a2c6b2a839-accordion-trigger-2" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">While lenders go by more than just what’s on your credit report and some loan to people with bad credit, you’ll generally need a score of at least 670 to get the best rates. </span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="674a2c6b2a839-accordion-content-3" id="674a2c6b2a839-accordion-trigger-3"> <span> <h3 class="accordion-trigger-text">Should I accept the first loan offer I receive? </h3> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="674a2c6b2a839-accordion-content-3" role="region" aria-labelledby="674a2c6b2a839-accordion-trigger-3" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">We at the MarketWatch Guides team always suggest shopping around for the best rates and terms for your unique situation. Prequalifying for loans with multiple lenders will help you choose the one that best fits your needs. </span></p> </div></div> </div> </div> </div> </section> <p><em>Editor’s Note: Before making significant financial decisions, consider reviewing your options with someone you trust, such as a financial adviser, credit counselor or financial professional, since every person’s situation and needs are different.</em></p> </div> <div class="c-article-contact-banner wysiwyg"> <p><i>If you have feedback or questions about this article, please email the MarketWatch Guides team at </i><i><a href="mailto:editors@marketwatchguides.com?subject=In response to: Personal Loan Calculator&body=https://www.marketwatch.com/guides/personal-loans/personal-loan-calculator/" target="_blank" rel="noopener noreferrer" aria-haspopup="menu">editors@marketwatchguides.<wbr />com</a></i><i>.</i></p> </div> </div> </div> </div> <div class="c-article-body-authors"> <div class="wrapper"> <span class="heading">Meet the Team</span> <div class="authors columns-1"> <div class="author"> <div class="author-top" aria-controls="author-0-content" aria-expanded="false" role="button"> <div class="c-picture author-photo"> <img width="50" height="50" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-50x50 size-50x50 lazyload ewww_webp_lazy_load" alt="" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-150x150.png" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-150x150.png 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-300x300.png 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-1024x1024.png 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-768x768.png 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-1536x1536.png 1536w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read.png 1600w" data-sizes="auto" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-150x150.png.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-150x150.png.webp 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-300x300.png.webp 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-1024x1024.png.webp 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-768x768.png.webp 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-1536x1536.png.webp 1536w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read.png.webp 1600w" /><noscript><img width="50" height="50" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-150x150.png" class="attachment-50x50 size-50x50" alt="" loading="lazy" decoding="async" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-150x150.png 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-300x300.png 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-1024x1024.png 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-768x768.png 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read-1536x1536.png 1536w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Cheri-Read.png 1600w" sizes="(max-width: 50px) 100vw, 50px" data-eio="l" /></noscript> <a href="https://www.marketwatch.com/guides/authors/cheri-read/" aria-label="Learn more about Cheri Read" title="Learn more about Cheri Read" class="c-link "> Learn more about Cheri Read</a> </div> <div> <span class="author-name">Cheri Read</span> <span class="author-roles">Writer</span> </div> <svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg> </div> <div id="author-0-content" class="author-content"> <div class="author-description wysiwyg"> <p><span style="font-weight: 400;">Cheri Read is a former accountant turned professional personal finance writer. 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