Àwọn Àwọn Àkọ́lé

Ṣàfikún àwọn ìṣàmúlò-ètò, àwọn ìṣàmúlò-ètò àti àwọn ìṣàmúlò-ètò tí a gba nínú ìṣàmúlò-ètò aládàrẹ̀.

Àwọn Ìgúnrégé

Àwọn ìṣàmúlò-ètò

Àwọn Àkọ́lé

Àwọn Ìṣàmúlò-ètò ?

Tí a fi kùnà láti inú owò tí o gbà.

Ìfihàn Òjó —

Owo ti o gba —

Àwọn ìṣàmúlò-ètò —

Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò

Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

A personal loan calculator turns a loan amount, APR and term into a fixed monthly payment and total interest, and accounts for an origination fee that many lenders deduct up front. The fee reduces the cash you actually receive while you still repay the full loan amount, so your true cost is higher than the headline rate.

The payment comes from standard amortisation on the full loan amount. For example, 15,000 at 11% APR over 3 years is about 491 a month and roughly 2,700 in total interest. If the lender charges a 5% origination fee, it takes 750 off the top, so you receive 14,250 but still repay the full 15,000 plus interest — which raises your effective borrowing cost above the stated 11%.

Use it to compare loan offers on payment and total cost, to see how the term changes the monthly amount, and to factor in fees that make a low advertised rate less attractive. Personal loans are usually unsecured and fixed-rate, so the payment stays constant for the whole term.

Àwọn Àtòjọ-ẹ̀yàn

Bawo ni owo oriṣii ṣe le ṣe ipa lori iye owo?

Awọn oludokoowo nigbagbogbo yọ owo-ori oriṣi 1-8% kuro ni iye ti a fi pamọ, nitorinaa, owo-ori 15,000 pẹlu owo-ori 5% fi 14,250 sinu apo rẹ - ṣugbọn o tun sanwo 15,000 pẹlu owo-ori, mu iye owo rẹ pọ si.

Ìtàn ẹ̀yàn wo ni mò fẹ́ fun àwọn ìṣàmúlò-ètò tí o dara jù?

Personal loan APRs swing widely with credit: strong scores can see single-digit rates, while lower scores may face 20%+. This tool uses whatever APR you enter, so get a quote before relying on the figure.

Kini o le lo fun owo-ori ara ẹni?

Oju-iwe yii ni a ti kọ lati ṣe iranlọwọ fun ọ lati ṣe awọn ipinnu ti o dara julọ nipa awọn ohun ti o fẹ lati ṣe.

Njẹ owo-ori ara ẹni jẹ olowo poku ju kaadi owo-ori lọ?

Often, yes. Personal loan APRs are usually well below typical credit-card rates, and the fixed term forces a payoff schedule. Consolidating high-rate card balances into a lower-rate personal loan can cut interest and simplify payments.

Ńbí tí mò bá gbá owó ifowopamọ́, o lè dá mi lójúwé àwọn à

Ìṣàfihàn náà náà ǹpa ìròyìn tí a lè fi àwọn ààyè rẹ̀ pamọ́, àti àwọn àwọn owó tuntun náà náà ǹpa gbogbo àwọn ẹ̀yàn rẹ̀. Nígbà kan, àwọn àwọn pàtó àti àwọn ìlòwò kaadi-ìfilọ́wọ́lù tí a fi pamọ́ lè sé iranlọwọ fún àwọn ààyè rẹ̀ láti gbọ́dọ̀ pamọ́ àti láti mú wọn pọ̀.

Ìgbà wo ní mò fi yan?

A shorter term means higher monthly payments but far less total interest; a longer term eases the monthly cost but costs more overall. Pick the shortest term whose payment fits comfortably in your budget.

API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

GET https://calculator.free/api/v1/personal-loan/

curl

curl "https://calculator.free/api/v1/personal-loan/?amount=15000&rate=11&years=3"

JavaScript `fetch()`

const r = await fetch(
  "https://calculator.free/api/v1/personal-loan/?" + new URLSearchParams({
    "amount": "15000",
    "rate": "11",
    "years": "3"
  }));
const data = await r.json();
console.log(data.results);

Results are estimates for general guidance only, not financial, medical or tax advice.

Àkóónú ìṣàmúlò-ètò yìí

Àwọn Àtòjọ-ẹ̀yàn

Àwọn Ìṣàmúlò-ètò Ìṣàmúlò-ètò

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

curl

JavaScript fetch()

JavaScript `fetch()`