A personal loan calculator can estimate your monthly repayments and total cost by using the amount you want to borrow, loan term and interest rate. If you live in Cardiff, the calculations are generally the same as elsewhere in the UK, but lenders may assess your income, credit history and affordability before making an offer. The rate shown may be representative rather than the rate you receive, so compare the personalised APR and total amount repayable. Check the lender is FCA-authorised and read the agreement carefully before applying.