Enter how much you want to borrow, the APR and the term to see the monthly repayment and the true total cost of the loan. Comparing the total repaid — not just the monthly figure — is the best way to spot which loan is actually cheaper.
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Frequently asked questions
What is APR?
APR (Annual Percentage Rate) includes the interest rate plus most compulsory fees, so it is the fairest way to compare loans from different lenders.
Does a longer term cost more?
Usually yes. A longer term lowers the monthly payment but you pay interest for longer, so the total cost is higher.