Personal loan calculator

APR stands for Annual Percentage Rate. It's the yearly cost of a loan including interest and fees, as a percentage of the loan amount. We don't charge fees on loans, so your APR will be the same as your interest rate. Usually, the lower the APR is, the cheaper the loan will be.

Representative means it's the APR we give to at least 51% of our customers. A representative rate helps you compare lenders, but the actual rate you get will depend on your own circumstances.

Fixed means your interest rate won't change for the length of the loan. So the amount you pay each month will always be the same.

With some small changes, you could get a better interest rate and save money. Like borrowing a bit more or less than you need, or over a longer or shorter time. It's worth checking. Even a small change can make a big difference to the overall cost of the loan.

Use our loan calculator to try out different loan amounts and lengths. And if you get a personalised quote later, you can change the amount and length and get as many quotes as you need. And you can always go back to your original quote if that one was better.

Our calculator can only give you estimates for terms of up to 5 years. If you want a term of up to 10 years (our maximum term), you'll need a personalised quote.

If you're borrowing between £1,000 and £50,000, you can get a quote for terms up to 7 years. For terms up to 10 years, you need to borrow £10,000 or more.