Personal Loan
UK Personal Loan Calculator
Estimate monthly repayments, total interest and the full cost of a UK personal loan.
Loan purpose affects wording only. Calculations are identical for all fixed-rate personal loans.
A longer term reduces monthly repayments but increases total interest.
How your total repayment splits between the capital you borrow and the interest paid over the term.
On your figures, about £2,426 of the £12,426 total (~20%) would be interest.
Capital vs interest paid each year over the term.
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Based on the details you have entered, your monthly repayment is £207. Ask a question below or pick one of the suggested prompts.
CalcExpert AI uses your exact calculator results. It doesn't recommend lenders, loans or borrowing.
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Worked example
Alex is borrowing £10,000 over 5 years at a fixed rate of 8.9% APR, with a £150 arrangement fee. The figures below are generated by this calculator using his inputs.
Monthly repayment
£207
Total interest
£2,426
Total repayment
£12,426
Total borrowing cost
£12,576
Frequently asked questions
Disclaimer. This calculator provides estimates for general information only. It does not constitute financial advice, a mortgage offer or confirmation of affordability. Actual repayments and eligibility may differ depending on the lender, product, fees and personal circumstances. Consider obtaining advice from a qualified mortgage adviser.