Free loan-matching service. Zebra Finance is not a lender. We connect you with lenders. How we make money

Personal Loan Calculator

Work out the monthly payment, total interest and total cost of a personal or installment loan, including origination fees.

Personal / installment loan calculator

Monthly payment–
Total interest–
Total cost–
Cash you receive–

Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.

How to use it

Enter the amount, an estimated APR and the number of months. You'll see the monthly payment, the total interest and the cash you receive after any origination fee. Try a longer term to see a smaller monthly payment.

What affects your rate

  • Credit history — stronger credit usually means a lower rate, but many lenders in our network consider fair and bad credit.
  • Income and debts — lenders look at what you can comfortably repay.
  • Loan amount and term — longer terms lower the payment.
  • Your state — some states cap installment-loan rates; see rates by state.

Getting real offers

A calculator is an estimate. To see actual offers, complete one short form; lenders in our network that serve your state can respond in minutes.

Frequently asked questions

Can I get an emergency loan with bad credit in your area?

Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. your area residents can see if they qualify in about 3 minutes.

How long does it take to get a personal loan in your area?

With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in your area.

Are personal loans bad for your credit?

Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. your area residents can see their options in about 3 minutes.

How do I apply for a personal loan with bad credit in your area?

Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.

Can I get a personal loan with a 500 credit score?

It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.

Ready for real numbers?

Calculators give an estimate. To see actual offers for your situation, fill out our short form. It's free and takes about three minutes. See if you qualify.

Free · about 3 min · no obligationSee if you qualify