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Loan Calculator

Compare two personal loan scenarios side-by-side. See the real cost of APR differences.

GBP · Live calculation
Monthly paymentplaceholder
£308.31
Loan amount£10,000
APR6.9%
Total interest£1,099
Total repayable£11,099
Loan amount
£500£10k£25k£50k
APRannual %
0%10%20%30%40%
Loan termyears
135710
Extra monthly paymentoptional
£0£500£1k£1.5k£2k
Add an extra payment to see how much you'd save
Monthly paymentplaceholder
£346.16
Loan amount£10,000
APR14.9%
Total interest£2,462
Total repayable£12,462
Loan amount
£500£10k£25k£50k
APRannual %
0%10%20%30%40%
Loan termyears
135710
Extra monthly paymentoptional
£0£500£1k£1.5k£2k
Add an extra payment to see how much you'd save
Monthly difference+£38Loan B vs Loan A
Total interest difference+£1,363over the full term
Total repayable difference+£1,363principal + interest
Lower monthly paymentLoan ASaves £38/mo

Balance remaining over time

Loan ALoan BNo extra payment
£0£3k£5k£8k£10kNow1y2y3y

Total cost breakdown

90%principal
Loan A
£11,099
Principal£10,000
Interest£1,099
Interest without extra payments£1,099
Saves £0 in interest
80%principal
Loan B
£12,462
Principal£10,000
Interest£2,462
Interest without extra payments£2,462
Saves £0 in interest

Estimates are for illustration only and assume a fixed APR for the full term. Real personal loan APRs are subject to credit checks and may vary. The representative APR is offered to at least 51% of successful applicants — your actual rate may differ. Figures exclude any arrangement fees, late-payment charges, or payment-protection insurance. Always check the full terms before signing a loan agreement.