Personal Loan Calculator
Calculate monthly payment, effective APR, and total cost of your personal loan.
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Origination fee
The fee is deducted from the amount received, increasing the effective APR of the loan.
Monthly payment
€ 0,00
Effective APR
0,00 %
Total interest
€ 0
Fee amount
€ 0
Total cost
€ 0
Rate comparison
Stated rate
9.5%
Effective APR
5.77%
Effective APR includes fees and reflects the true cost of the loan.
Cost distribution
€12kTotal
Principal(85.2%)
Interest(13.1%)
Fees(1.7%)
Loan summary
Loan amount€10.000
Origination fee€200
Net amount received€9800
Total interest€1531.86
Total repayment€11731.86
What is a personal loan?
A personal loan is unsecured financing that can be used for any purpose: debt consolidation, renovations, travel, or unexpected expenses.
Types of personal loans
Can be fixed or variable rate. Secured loans (with collateral) usually have better rates. APR includes interest and fees.
Personal loan tips
Compare APR (not just interest rate). Check for hidden fees. Avoid very long terms that increase total cost.