A personal loan calculator can estimate your monthly repayments and total interest using the amount borrowed, loan term and an assumed APR. Searching for a “personal loan calculator Bristol” may be useful, but loan rates are generally based on your circumstances rather than your city. Check whether the calculator uses a representative APR, as the rate offered to you could differ after an eligibility assessment. Before applying, compare the total cost and check that the lender is authorised by the Financial Conduct Authority.