Enter the amount you need and compare different repayment terms, remembering that a longer term may reduce monthly payments but increase the total interest. Use the calculator’s APR and total repayment figures as estimates, as the rate you’re offered can depend on your circumstances and credit history. Check that the monthly payment fits comfortably within your budget, including essential bills and other debts. Before applying, compare FCA-authorised lenders and read the full loan terms; a calculator cannot guarantee acceptance or the rate you will receive.