Personal loan calculator
Explore example loan payments based on different loan sizes and repayment length. Our loan calculator can give you an idea for what to expect with a personal loan.
Loan payments calculator




Want to build your credit?
A personal loan is a great way to improve your credit score if you make on-time, complete payments. Use the loan calculator to see how the payments can fit your budget.
Affordable payments
That fit your budge
No prepayment penalties
Pay less if you pay off early
Help build credit
With regular, on-time payments
How to use Oportun’s personal loan calculator
Select your state
Check loan availability and car ownership for better terms.
Estimate your credit score
Choose your score or “unknown” if unsure.
View loan terms
Adjust amount or period to see how the payment size changes.
The personal loan calculator helps you plan for purchases such as:
Home improvements
Car repairs
Weddings
Vacations
Medical expenses
Debt consolidation
We’re here to help

That sums it up
Still have questions? Here are a few we’ve answered before.
No, not all loan calculators are built the same.
Many loan calculators ask for basic information, such as the amount of money you’d like to borrow, your preferred term length, and your credit score. Some lenders might not ask for your credit score at all. Additionally, a lender may want to know what state you live in to ensure their loans are available or before calculating the interest rate. You might even be able to toggle between fixed and variable interest rates.
Before applying, a personal loan calculator can give people a realistic idea of the payment size and payment schedule associated with borrowing from a lender. When you know how much money you would need to pay back, you can better determine if you can afford the payments and if a personal loan is right for your needs. If you can make your payments in full and on time, you can stay in control of your finances and build your credit score.
A loan with a set principal amount and interest rate will cost more in total with a longer repayment period than if it had a shorter one. However, the longer term will have lower payment sizes which could make the longer term more affordable.
Our personal loan calculator shows how payment sizes change with different repayment periods. With no prepayment penalties, you could choose a longer period and enjoy smaller payments. Pay off early to save in total interest.