Work out the monthly repayment on a personal loan, car loan or other fixed-term borrowing. Enter the amount, the APR and the term to see your monthly cost, the total interest and the total you will repay.
Loan details
£
%
yrs
Monthly repayment
£212
Over 5 years
Monthly repayment£212
Total interest£2,719
Total repaid£12,719
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Understanding loan repayments
A typical UK personal loan is repaid in equal monthly instalments over a fixed term, with the APR (Annual Percentage Rate) capturing the interest plus most compulsory fees. A longer term reduces the monthly payment but increases the total interest paid; a shorter term costs more each month but less overall.
Worked example
10,000 over 5 years at 9.9% APR gives about 212/month.
Total repaid about 12,720, so interest is roughly 2,720.
Over 3 years instead, the payment rises but total interest drops to about 1,580.
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Frequently asked questions
Is APR the same as the interest rate?
APR includes the interest rate plus certain compulsory fees, so it is a fairer way to compare loans. The advertised representative APR is only offered to a proportion of accepted applicants; your actual rate may differ.
Can I pay a loan off early?
Usually yes. Under UK rules you can make early/partial settlement, though lenders may add up to around two months' interest as an early settlement charge. Check your agreement.
Report a bug or ask a question about this calculator
Important: BrickCrunch provides general information and estimates only — this is not financial, tax, mortgage or legal advice. Calculations are simplified and your circumstances may differ. UK tax and rate figures are checked against gov.uk (21 June 2026 (2026/27 tax year)) but rates change and errors are possible. Always confirm figures with gov.uk or a qualified professional before making decisions.
