Calculator
Estimate your monthly payment
Pick amount, term, and credit tier. We’ll show APR, monthly payment, and total cost. Soft-pull pre-qualification to lock in your real rate.
Pre-qualify in 60 seconds
Soft credit pull only — won’t affect your credit score. See your real rate before applying.
What’s the loan for?
Loan amount
Repayment term
Estimated credit score
Estimated total
$20,000
- What’s the loan for?: Debt consolidation$0
- Loan amount: $20,000$20,000
- Repayment term: 5 years$0
- Estimated credit score: Good (700–739)$0
Estimated APR9.99%
Estimated monthly payment$425
Funded in24–48 hrs
What people are borrowing
$22K
Median loan amount
5 yr
Most popular term
11.4%
Median APR (good credit)
$483
Median monthly payment
How the math works
What goes into your monthly payment
Loan amount
Principal you’re borrowing. The bigger the amount, the bigger the monthly payment (linear).
APR (annual percentage rate)
All-in cost of borrowing. Includes interest + origination fee. Lower APR = lower monthly payment + less total interest.
Term (in months)
How long you have to pay it off. Longer term = lower monthly payment, but more total interest paid over the life of the loan.
Auto-pay discount
0.25% APR off when you sign up for ACH auto-pay. Free, opt-in, applied at signing.
Origination fee
0–6% deducted from loan amount up front. So a $20K loan with 3% origination = $19,400 hits your account but you pay back $20K.
Prepayment
Pay off early to save on total interest. No penalty, no fee. The calculator above doesn’t assume prepayment — that’s a bonus.
Calculator questions
Sanity-check the numbers
- Within 1–2% of the final offer for most credit tiers. The actual APR depends on full underwriting (income, DTI, employment history, etc.) which the calculator doesn’t see. Pre-qualification gives a more accurate number.
Move from estimate to real rate