Use the actual amount financed
Compare it with net proceeds when fees may be deducted or financed.
Planning tool
Estimate Loan Payments and Total Cost
Use your own assumptions or figures from a potential offer to estimate payment size, fees, net proceeds, total interest, and total repayment before you decide.
This calculator is an estimate, not an application, prequalification, approval, credit offer, or statement of product availability.
Use the result correctly
Confirm the actual provider disclosures
Calculator results can differ from an actual agreement because of fee treatment, day-count methods, irregular dates, rounding, compounding, state rules, and product structure.
Use the actual payment frequency
Monthly, biweekly, weekly, and single-payment schedules create different cash-flow effects.
Review the agreement
The lender agreement controls the contractual APR, fees, payment dates, and total repayment.