Enter the amount you want to borrow and the repayment term into a personal loan calculator to estimate monthly payments and the total cost. When comparing loans, look at the APR, total amount repayable, fees and whether you can make overpayments or repay early. The rate shown may be representative rather than the rate you are offered, and your eligibility will depend on your circumstances and the lender’s checks. Consider using eligibility tools with FCA-authorised providers, as some use a soft search that should not affect your credit file.