Как использовать этот калькулятор
Рассчитайте ежемесячный платеж по персональному кредиту, общую сумму процентов и полученную сумму после комиссии.
How the personal loan payment is estimated
The calculator applies a standard fixed-rate amortization formula to the loan amount, APR and number of monthly payments. Each payment includes interest on the outstanding balance and a portion of principal. If APR is zero, it divides the principal evenly across the term.
The origination-fee input is shown separately. The “cash received” estimate assumes the fee is deducted from the amount borrowed. A real lender may deduct the fee, finance it or use another disclosed method, so compare the output with the lender’s final Truth in Lending disclosure.
Example: payment and proceeds are different
Suppose a loan is $10,000, the fixed APR is 18%, the term is 36 months and the origination fee is 5%. The estimated monthly payment is about $361.52, while estimated proceeds after a deducted fee are $9,500. That difference is why it is important to compare APR, total payments and net proceeds—not only the advertised loan amount.
How to compare two loan offers
- Use the same amount and repayment term for both scenarios.
- Enter the APR, not only the interest rate.
- Confirm whether the fee is deducted or financed.
- Compare the monthly payment, total repayment and cash received.
- Review late fees, prepayment terms and optional products separately.
The CFPB explains that a loan APR can include the interest rate plus certain lender fees. Read its APR and interest-rate explanation, then see our new borrower comparison guide.
What can change the real payment
Payment dates, daily-interest conventions, rounding, optional insurance, variable rates and fee treatment can change a lender’s figures. This calculator does not check credit, income, state availability or immigration-document eligibility.
Что нужно учитывать
Этот инструмент не собирает персональные данные, номер SSN или ITIN и служит исключительно для оценки.
Часто задаваемые вопросы
Проверяет ли калькулятор кредитную историю?
Нет. Калькулятор работает только в браузере и не отправляет запросы в кредитные бюро или банки.
APR — это то же самое, что и процентная ставка?
Не всегда. Ставка APR включает как базовый процент, так и комиссии за выдачу займа, поэтому сравнивать предложения нужно по APR.
Входит ли комиссия за оформление в ежемесячный платеж?
Платеж рассчитывается из суммы займа. Оценка получаемых денег учитывает удержание комиссии.