The same auto or personal loan can cost very different amounts depending on the interest rate. This calculator starts from published average APRs by credit-score range, then shows an estimated monthly payment and the total interest over the term. You can edit the APR to match a real offer. We do not invent rates, and a higher score does not guarantee a lower rate or an approval.
Auto-loan starting rates come from Experian’s State of the Automotive Finance Market for the second quarter of 2026 (VantageScore 4.0 tiers). Personal-loan starting rates come from Experian’s September 2026 article citing Curinos averages by FICO Score. Sources are cited under the results, and every figure is an estimate.
How to use this calculator
- Choose a new auto loan, a used auto loan, or a personal loan, then enter the amount and term.
- Move the credit-score slider. The APR field fills from the published source for that score and loan type.
- Edit the APR if you have a quoted rate, or to try a different estimate. Compare the payment and the extra interest versus a higher published tier.
Results
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Results are estimates for education only. They are not financial, legal or credit-repair advice, and they are not an offer or a decision from any lender. We do not promise credit-score increases, item removals, or loan or card approvals. Actual rates, payments and qualification depend on the lender, the loan and your full application. See our Financial Disclaimer.