A personal loan calculator can give you an estimate of the monthly repayments and total cost for different borrowing amounts, terms and interest rates. Enter the amount you need and compare the results using the representative APR, but remember that the rate shown may not be the rate you are offered. Lenders will assess your income, expenses and credit history before making a decision, and a longer term usually means paying more interest overall. Check the full terms with an FCA-authorised lender and consider independent debt guidance if the repayments may be difficult to manage.