A personal loan calculator can estimate your monthly repayments and total interest by using the amount you want to borrow, the term and an example interest rate. You can use one from anywhere in Cardiff, but the result is only an illustration because a lender’s offered rate depends on your circumstances and credit history. Compare the total amount repayable, fees and early-repayment terms, not just the monthly payment. Before applying, check that the lender is FCA-authorised and that the repayments are affordable within your budget.