Personal loan calculator 2025

How much will I pay each month?

Your estimated monthly payment depends on a few key factors, including the amount you want to borrow, the interest rate and the duration of the loan. You can enter these into the calculator below to calculate the monthly repayments and the total cost.

For the purposes of this calculator, we’ve made a few assumptions – such as a fixed rate of interest. We’ve also assumed that there are no set-up fees associated with the product, which tends to hold true in the majority of cases (you’ll want to double-this is the case for the loan that you’re considering). We’ve also assumed that the monthly repayments will be equal (give or take a few pence) – it’s not unheard of for lenders to structure loans with decreasing repayment amounts, or with repayment holidays (where the borrower makes no repayments for, say, the first two months of the loan, for example).

Now check live rates from popular lenders

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Product	Finder Score	Loan amounts	Loan terms	Repayments
Finder score 8.3Great M&S Bank Existing Customer Personal Loan	Finder score 8.3Great	£1,000 - £25,000	1 year - 7 years	£143.60 (£6,892.88 overall) Representative Example: Representative 7.2% APR fixed. Based on a loan of £6,000 for 48 months at 7.2% p.a. Total £6,892.88 repayable at £143.6 per month.	Representative Example: Representative 5.9% APR fixed. Based on a loan of £10,000 for 60 months at 5.9% p.a. Total £11,529 repayable at £192.15 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 8.2Great M&S Bank Personal Loan	Finder score 8.2Great	£1,000 - £25,000	1 year - 7 years	£143.60 (£6,892.88 overall) Representative Example: Representative 7.2% APR fixed. Based on a loan of £6,000 for 48 months at 7.2% p.a. Total £6,892.88 repayable at £143.6 per month.	Representative Example: Representative 5.9% APR fixed. Based on a loan of £10,000 for 60 months at 5.9% p.a. Total £11,529 repayable at £192.15 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 7.4Great Santander Personal Loan Finder Award	Finder score 7.4Great	£1,000 - £25,000	1 year - 5 years	£143.34 (£6,880.35 overall) Representative Example: Representative 7.1% APR fixed. Based on a loan of £6,000 for 48 months at 7.1% p.a. Total £6,880.35 repayable at £143.34 per month.	Representative Example: Representative 6% APR fixed. Based on a loan of £10,000 for 60 months at 6% p.a. Total £11,555.4 repayable at £192.59 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 7.6Great HSBC Personal Loan Finder Award	Finder score 7.6Great	£1,000 - £30,000	1 year - 8 years	£150.67 (£7,232.34 overall) Representative Example: Representative 9.9% APR fixed. Based on a loan of £6,000 for 48 months at 9.9% p.a. Total £7,232.34 repayable at £150.67 per month.	Representative Example: Representative 6.4% APR fixed. Based on a loan of £10,000 for 60 months at 6.4% p.a. Total £11,661.05 repayable at £194.35 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score Not yet rated AA Member Loan	Finder score Not yet rated	£1,000 - £35,000	1 year - 8 years	£147.79 (£7,093.79 overall) Representative Example: Representative 8.8% APR fixed. Based on a loan of £6,000 for 48 months at 8.8% p.a. Total £7,093.79 repayable at £147.79 per month.	Representative Example: Representative 6.4% APR fixed. Based on a loan of £7,500 for 60 months at 6.4% p.a. Total £8,745.6 repayable at £145.76 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score Not yet rated HSBC Existing Customer Personal Loan	Finder score Not yet rated	£1,000 - £30,000	1 year - 8 years	£150.67 (£7,232.34 overall) Representative Example: Representative 9.9% APR fixed. Based on a loan of £6,000 for 48 months at 9.9% p.a. Total £7,232.34 repayable at £150.67 per month.	Representative Example: Representative 6.4% APR fixed. Based on a loan of £10,000 for 60 months at 6.4% p.a. Total £11,661.05 repayable at £194.35 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 6.4Standard Novuna Personal Loan	Finder score 6.4Standard	£1,000 - £35,000	2 years - 7 years	£145.17 (£6,968.14 overall) Representative Example: Representative 7.8% APR fixed. Based on a loan of £6,000 for 48 months at 7.8% p.a. Total £6,968.14 repayable at £145.17 per month.	Representative Example: Representative 6.5% APR fixed. Based on a loan of £7,500 for 60 months at 6.5% p.a. Total £8,765.4 repayable at £146.09 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score Not yet rated AA Personal Loan	Finder score Not yet rated	£1,000 - £35,000	1 year - 8 years	£148.05 (£7,106.38 overall) Representative Example: Representative 8.9% APR fixed. Based on a loan of £6,000 for 48 months at 8.9% p.a. Total £7,106.38 repayable at £148.05 per month.	Representative Example: Representative 6.5% APR fixed. Based on a loan of £7,500 for 60 months at 6.5% p.a. Total £8,765.4 repayable at £146.09 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score Not yet rated John Lewis Finance Personal Loan	Finder score Not yet rated	£1,000 - £35,000	1 year - 7 years	£150.67 (£7,232.34 overall) Representative Example: Representative 9.9% APR fixed. Based on a loan of £6,000 for 48 months at 9.9% p.a. Total £7,232.34 repayable at £150.67 per month.	Representative Example: Representative 9.9% APR fixed. Based on a loan of £10,000 for 60 months at 9.9% p.a. Total £12,594.46 repayable at £209.91 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 7.4Great Admiral Personal Loan	Finder score 7.4Great	£1,000 - £40,000	1 year - 8 years	£158.58 (£7,611.72 overall) Representative Example: Representative 12.9% APR fixed. Based on a loan of £6,000 for 48 months at 12.9% p.a. Total £7,611.72 repayable at £158.58 per month.	Representative Example: Representative 12.9% APR fixed. Based on a loan of £10,000 for 60 months at 12.19% p.a. Total £13,405.8 repayable at £223.43 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score Not yet rated JustUs Personal Loan	Finder score Not yet rated	£2,000 - £25,000	2 years - 5 years	N/A	Representative Example: Representative 13.01% APR fixed. Based on a loan of £10,000 and £250 arrangement fee for 60 months at 11.5% p.a. Total £13,723.39 repayable at £228.72 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 7.5Great Shawbrook Bank Personal Loan	Finder score 7.5Great	£1,000 - £50,000	1 year - 7 years	£169.17 (£8,120.30 overall) Representative Example: Representative 16.9% APR fixed. Based on a loan of £6,000 for 48 months at 16.9% p.a. Total £8,120.3 repayable at £169.17 per month.	Representative Example: Representative 16.9% APR fixed. Based on a loan of £10,000 for 60 months at 16.9% p.a. Total £14,500.74 repayable at £241.68 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 6.4Standard Fluro (formerly Lending Works) Personal Loan	Finder score 6.4Standard	£1,000 - £25,000	1 year - 5 years	£173.18 (£8,312.69 overall) Representative Example: Representative 17.9% APR fixed. Based on a loan of £6,000 and £250 arrangement fee for 48 months at 15.8% p.a. Total £8,312.69 repayable at £173.18 per month.	Representative Example: Representative 17.9% APR fixed. Based on a loan of £7,500 and £250 arrangement fee for 48 months at 15.8% p.a. Total £10,309.78 repayable at £214.79 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 6.3Standard Abound Personal Loan (formerly Fintern) Finder Award	Finder score 6.3Standard	£1,000 - £10,000	1 year - 5 years	£181.80 (£8,726.62 overall) Representative Example: Representative 25.8% APR fixed. Based on a loan of £6,000 and £130 arrangement fee for 48 months at 20.2% p.a. Total £8,726.62 repayable at £181.8 per month.	Representative Example: Representative 25.8% APR fixed. Based on a loan of £2,000 and £130 arrangement fee for 36 months at 20.2% p.a. Total £2,793.6 repayable at £77.6 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 6.6Standard My Community Bank Personal Loan	Finder score 6.6Standard	£1,500 - £25,000	1 year - 5 years	£209.41 (£10,051.73 overall) Representative Example: Representative 32% APR fixed. Based on a loan of £6,000 for 48 months at 32% p.a. Total £10,051.73 repayable at £209.41 per month.	Representative Example: Representative 32% APR fixed. Based on a loan of £2,000 for 24 months at 28.1% p.a. Total £2,636.77 repayable at £109.87 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 6.8Standard 1plus1 Loans Guarantor Loan	Finder score 6.8Standard	£1,000 - £5,000	1 year - 5 years	N/A	Representative Example: Representative 39.9% APR variable. Based on a loan of £3,000 for 36 months at 39.9% p.a. Total £4,831.56 repayable at £134.21 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 5.7Standard Finio Loans Personal Loan	Finder score 5.7Standard	£500 - £5,000	1 year - 3 years	N/A	Representative Example: Representative 39.9% APR fixed. Based on a loan of £2,000 for 24 months at 39.9% p.a. Total £2,785.68 repayable at £116.07 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 6.3Standard Bamboo Personal Loan	Finder score 6.3Standard	£2,000 - £15,000	1 year - 5 years	£243.06 (£11,667 overall) Representative Example: Representative 44.7% APR fixed. Based on a loan of £6,000 for 48 months at 44.7% p.a. Total £11,667 repayable at £243.06 per month.	Representative Example: Representative 49.7% APR fixed. Based on a loan of £2,500 for 24 months at 41% p.a. Total £3,703.74 repayable at £154.38 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 6.1Standard 118 118 Money Personal Loan	Finder score 6.1Standard	£1,000 - £5,000	1 year - 3 years	N/A	Representative Example: Representative 49.9% APR fixed. Based on a loan of £2,000 for 24 months at 41.2% p.a. Total £2,967.43 repayable at £123.64 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 6.4Standard Guarantor My Loan	Finder score 6.4Standard	£2,000 - £12,500	1 year - 5 years	£256.69 (£12,321.19 overall) Representative Example: Representative 49.9% APR fixed. Based on a loan of £6,000 for 48 months at 49.9% p.a. Total £12,321.19 repayable at £256.69 per month.	Representative Example: Representative 49.9% APR fixed. Based on a loan of £5,000 for 36 months at 49.9% p.a. Total £8,783.28 repayable at £243.98 per month.	Check eligibility More info Compare product selection Compare	loading

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How we picked these

Finder Score for unsecured loans

To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

Read the full methodology

What to keep in mind

Before applying for a personal loan, it’s important to know how much you’ll be expected to pay each month – keeping the total cost down and the monthly repayments affordable will normally be what dictates the length of your loan.

Ultimately you need to be sure that your monthly repayments are affordable, taking into account your income and expenditure. If you’ve done your homework and you’re confident that a particular sum each month would be comfortably manageable, then there’s a fair chance that a lender assessing your application would come to the same conclusion.

Some important terms you should know

• APR. The Annual Percentage Rate (APR) is designed to be a benchmark for consumers, providing an annual summary of the cost of a loan. As well as the interest, the APR also takes into account any compulsory charges – like an “admin” or “set-up” fee (if there is one). However, crucially, lenders only have to award the advertised APR to 51% of those who take out the loan – the other 49% could be offered a different (higher) rate, at the lender’s discretion. That’s why it’s often referred to as the representative APR.
• Capital. Also referred to as the “principal” or “loan amount”, this is the original amount borrowed.
• Default. Defaulting on a loan means failing to make a pre-agreed repayment at the specified time. This will typically result in the borrower being charged a penalty plus damage to the borrower’s credit record.
• Draw down. Drawing down simply refers to the transfer of funds to the borrower at the start of a loan.
• Eligibility criteria. A list of conditions that a borrower must meet to be considered for a loan. These vary from lender to lender.
• Fixed rate. A fixed rate will not change for an agreed amount of time, even if market conditions mean that bank interest rates generally are increasing or decreasing. A fixed rate can be a popular option for some borrowers, and it allows them to budget with more certainty – knowing in advance the exact cost of a loan and the exact figure for each instalment.
• Guarantor. An individual who promises to repay a loan in the event that the borrower does not. Typically a friend or relative of the borrower.
• Instalment. A repayment towards an outstanding loan. This will normally consist partly of interest accrued so far, and partly of a proportion of the original sum borrowed.
• Interest rate. The interest rate is a charge for borrowing, and is a percentage of the amount of credit.
• Loan term. The amount of time over which a loan is to be repaid.
• Principal. Also referred to as the “capital” or “loan amount”, this is the original amount borrowed.
• Repayment holiday. An agreed period (normally either one or two months) where the borrower will not make repayments. The debt continues to accrue interest during this period, so taking a repayment holiday will generally increase the total cost of borrowing (and the loan term). Repayment holidays are typically offered to borrowers at the start of a loan, or at a specified frequency – for example one per year.
• Unsecured. An unsecured loan does not use an asset, such as a property or vehicle, as collateral for the loan.
• Variable rate. A variable rate is the opposite of a fixed rate, and can increase or decrease over time at the lender’s discretion. Typically, variations occur as market conditions generally shift – for example an increase or decrease in the Bank of England base rate.

Try our lender-specific calculators

Got a specific brand in mind? Use the links below to see how much your loan could cost with that particular lender.

Written by

Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise

Chris has written 540 Finder guides across topics including:

• Loans & credit cards
• Building credit
• Financial health
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