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🇺🇸 United States / Loans
Free US loan calculators for personal loans, student loans, auto loans, and more. Compare APR, monthly payments, and total interest with current rates.
12 calculators
Generate a complete amortization schedule for any US loan. See every payment broken into principal and interest, your running balance, and total interest paid over the life of the loan.
Calculate the true annual percentage rate of a loan including origination fees, closing costs, and other charges beyond the stated interest rate.
Calculate monthly car payments, total interest, and the true cost of financing a vehicle in the United States. Factor in trade-in value, down payment, taxes, and dealer fees.
Compare rolling multiple debts into a single consolidation loan. See monthly payment savings, total interest reduction, and whether consolidation makes financial sense for your situation.
Compare the avalanche and snowball methods for paying off US debt. Find the approach that minimizes total interest or maximizes motivation, and see your exact debt-free date.
Calculate draw-period payments and repayment-phase costs for a US Home Equity Line of Credit. Model interest-rate changes and see your total borrowing cost across both phases.
Calculate fixed monthly payments, total interest, and full repayment cost for a US home equity loan. See how your loan-to-value ratio affects the rate and terms you qualify for.
Compare two loans side by side — monthly payment, total interest, and total cost — to identify the better deal for your situation.
See how much time and interest you save by making extra monthly payments on your loan. Compare payoff dates side by side.
Calculate the effective APR and total cost of a payday loan based on the fee per $100 borrowed and the loan term in days.
Calculate monthly payments, total interest, and full repayment cost for US personal loans from $1,000 to $100,000. Compare how rate and term changes affect your monthly budget.
Calculate payments, interest accrual, and total repayment cost for federal and private US student loans. Model standard, graduated, extended, and income-driven repayment plans.
Consumer lending in the United States is regulated primarily by the Truth in Lending Act (TILA), which requires lenders to disclose the Annual Percentage Rate (APR), a standardised measure that includes fees and interest expressed as a yearly rate. APR is always higher than the stated interest rate for loans with upfront fees.
Personal loan rates in the US typically range from 6% to 36% APR depending on credit score and lender type. Federal student loan rates are set annually by Congress (6.53% for undergraduates in 2024-25). Auto loan rates depend heavily on the vehicle age: new car loans average around 7–8%, while used car loans are typically 2–4% higher.
The FICO credit score (300–850) is the primary factor lenders use to determine eligibility and rate. Scores above 740 generally access the best rates; scores below 580 typically only qualify for secured or high-interest products.
The US has one of the world's most developed consumer credit markets. Credit scores are pervasive, used for loans, rental applications, and even some employment checks. Responsible credit use (low utilisation, on-time payments, account age) builds score over time.