Loan calculators, guides and state rules
Run the numbers before you borrow
Free personal-loan calculators, plain-language guides and sourced state lending rules. Start with the payment, check the total cost of credit, then decide — no pressure, and nothing you type into a calculator leaves your browser.
The lowest rates are only available to the most qualified applicants.
Advertising disclosure: Loancalculated may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. Read the full disclosure.
The three numbers that decide what you pay
Every personal-loan quote comes down to three inputs. Change any one and the cost moves. Work out all three here before you talk to a lender.
Run a calculator
Check the rules where you live
Pricing follows your credit profile, but the rate caps and licensing rules that protect you are set by your state. Every figure we publish carries its publisher and a link to the primary source — and where no official number exists, we link to the source instead of guessing.
- State lending rules — usury caps, payday rules, licensing and the regulator to check
- City pages — how borrowing works where you live
- Guides — how loans work, what affects your rate, how to spot a scam
Read before you sign
- How do loans work? — principal, interest and what the payment is made of
- What credit score do you need? — what lenders weigh and why
- Simple interest explained — how interest actually accrues
- Loan scam calls — the warning signs and how to report them
How Loancalculated works
We are an independent publisher, not a lender. We do not process applications and we do not pull your credit. Every calculator runs entirely in your browser and nothing you type is sent to us. Our guides are written and reviewed by the Loancalculated Editorial Team, cite primary sources, and never carry an invented author, review or rating. We are paid by referral fees when a reader chooses to apply through a partner link — that is disclosed on every page that carries one, and it never changes what we publish.