Enter the amount you want to borrow, choose a repayment term, and add the interest rate or APR shown by a lender. The calculator should then estimate your monthly payment, total repayment and the interest charged. Try different terms and amounts, but remember that a longer term can reduce monthly payments while increasing the overall cost. Treat the result as an illustration: your actual rate and eligibility depend on your circumstances and the lender’s assessment, so check the full agreement and use an FCA-authorised provider.