Pick a loan type and the right amount range and typical APR load automatically. See your monthly payment, total interest, and the full year-by-year payoff.
Estimates are for illustration only and assume a fixed-rate, fully-amortizing loan. Actual APR, fees, and payments depend on your lender, credit profile, and state. Kreditify is a loan comparison service, not a lender.
We use the standard amortization formula M = P × r / (1 − (1 + r)^−n), where P is the loan amount, r is your monthly rate (APR ÷ 12) and n is the number of monthly payments. A $10,000 personal loan at 12.5% APR over 36 months works out to roughly $335 per month.
APR bundles the interest rate with most lender fees, so it is the fairest number to compare offers with. Personal Loan APRs on Kreditify typically fall between 5% and 36%, driven mainly by your credit profile, income stability, and the term you pick.
Stretching the term lowers the monthly payment but raises the total interest, because you owe the balance for longer. Run the same amount at 6 and 84 months to see both sides of that trade before you commit.
Origination fees deducted at funding, late fees, insurance add-ons, escrow, and taxes are excluded. Treat the result as a planning estimate, then confirm the exact figures on your lender's disclosure before signing.
You have the payment estimate — now see which lenders will actually fund it.
Compare Personal Loans$500–$50,000 · soft-pull rate check, no credit score impact