Tools
Loan Calculator
Estimate your monthly payment, total interest, and effective APR — all calculated using the U.S. Truth in Lending Act (TILA / Reg Z) standard.
Minimum term is 6 months.
One-time fee charged at origination. Included in the effective APR per CFPB / Reg Z rules.
Calculations follow the U.S. Truth in Lending Act (TILA) amortisation formula. Actual rates depend on credit score, state law and lender terms. Payday APR shown reflects typical 2-week fee structures converted to annual rate per CFPB guidance.
Understanding your numbers
Monthly Payment (EMI)
Calculated using the standard amortisation formula required by the U.S. Truth in Lending Act. Each payment covers accrued interest first, then reduces your principal.
APR vs. Interest Rate
The Annual Percentage Rate includes both the interest rate and any fees (e.g., origination fee), making it the standardised cost comparison tool the CFPB and Reg Z require lenders to disclose.
Loan Term & Total Cost
Longer terms lower your monthly payment but increase total interest paid. Shorter terms cost less overall. Use this calculator to find the balance that fits your monthly budget.
Origination Fee
A one-time upfront fee some lenders charge. Under Reg Z it must be included in the disclosed APR. Enter it here to see its true impact on your effective borrowing cost.
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