Personal Loan Calculator Based on Credit Score
Free personal loan calculator based on credit score to calculate interest rates, loan amounts, and monthly payments. Plan your personal loan with credit score-based rates, income-based eligibility, and monthly payment calculations. Get instant results for loans with credit scores from 600 to 850.
Loan Details
Credit Range: Good (700-739)
Leave empty to calculate maximum loan amount based on income
Extra Payments (Optional)
Results
Monthly Payment
$531.05
Loan Amount
$25,000.00
Interest Rate
9.99%
Total Interest
$6,863.21
Total Payment
$31,863.00
Total Cost
$31,863.21
Eligibility Status
✓ Qualified
Maximum Loan Amount: $102,979.34
Payment Schedule (Amortization Table)
| Month | Payment Date | Beginning Balance | Principal | Interest | Extra Payment | Total Payment | Ending Balance |
|---|---|---|---|---|---|---|---|
| 1 | November 1, 2025 | $25,000.00 | $322.93 | $208.13 | $0.00 | $531.05 | $24,677.07 |
| 2 | December 1, 2025 | $24,677.07 | $325.62 | $205.44 | $0.00 | $531.05 | $24,351.46 |
| 3 | January 1, 2026 | $24,351.46 | $328.33 | $202.73 | $0.00 | $531.05 | $24,023.13 |
| 4 | February 1, 2026 | $24,023.13 | $331.06 | $199.99 | $0.00 | $531.05 | $23,692.07 |
| 5 | March 1, 2026 | $23,692.07 | $333.82 | $197.24 | $0.00 | $531.05 | $23,358.25 |
| 6 | April 1, 2026 | $23,358.25 | $336.60 | $194.46 | $0.00 | $531.05 | $23,021.66 |
| 7 | May 1, 2026 | $23,021.66 | $339.40 | $191.66 | $0.00 | $531.05 | $22,682.26 |
| 8 | June 1, 2026 | $22,682.26 | $342.22 | $188.83 | $0.00 | $531.05 | $22,340.03 |
| 9 | July 1, 2026 | $22,340.03 | $345.07 | $185.98 | $0.00 | $531.05 | $21,994.96 |
| 10 | August 1, 2026 | $21,994.96 | $347.95 | $183.11 | $0.00 | $531.05 | $21,647.02 |
| 11 | September 1, 2026 | $21,647.02 | $350.84 | $180.21 | $0.00 | $531.05 | $21,296.17 |
| 12 | October 1, 2026 | $21,296.17 | $353.76 | $177.29 | $0.00 | $531.05 | $20,942.41 |
| 13 | November 1, 2026 | $20,942.41 | $356.71 | $174.35 | $0.00 | $531.05 | $20,585.70 |
| 14 | December 1, 2026 | $20,585.70 | $359.68 | $171.38 | $0.00 | $531.05 | $20,226.03 |
| 15 | January 1, 2027 | $20,226.03 | $362.67 | $168.38 | $0.00 | $531.05 | $19,863.36 |
| 16 | February 1, 2027 | $19,863.36 | $365.69 | $165.36 | $0.00 | $531.05 | $19,497.67 |
| 17 | March 1, 2027 | $19,497.67 | $368.74 | $162.32 | $0.00 | $531.05 | $19,128.93 |
| 18 | April 1, 2027 | $19,128.93 | $371.80 | $159.25 | $0.00 | $531.05 | $18,757.13 |
| 19 | May 1, 2027 | $18,757.13 | $374.90 | $156.15 | $0.00 | $531.05 | $18,382.23 |
| 20 | June 1, 2027 | $18,382.23 | $378.02 | $153.03 | $0.00 | $531.05 | $18,004.20 |
| 21 | July 1, 2027 | $18,004.20 | $381.17 | $149.89 | $0.00 | $531.05 | $17,623.04 |
| 22 | August 1, 2027 | $17,623.04 | $384.34 | $146.71 | $0.00 | $531.05 | $17,238.70 |
| 23 | September 1, 2027 | $17,238.70 | $387.54 | $143.51 | $0.00 | $531.05 | $16,851.15 |
| 24 | October 1, 2027 | $16,851.15 | $390.77 | $140.29 | $0.00 | $531.05 | $16,460.39 |
| 25 | November 1, 2027 | $16,460.39 | $394.02 | $137.03 | $0.00 | $531.05 | $16,066.37 |
| 26 | December 1, 2027 | $16,066.37 | $397.30 | $133.75 | $0.00 | $531.05 | $15,669.07 |
| 27 | January 1, 2028 | $15,669.07 | $400.61 | $130.44 | $0.00 | $531.05 | $15,268.46 |
| 28 | February 1, 2028 | $15,268.46 | $403.94 | $127.11 | $0.00 | $531.05 | $14,864.51 |
| 29 | March 1, 2028 | $14,864.51 | $407.31 | $123.75 | $0.00 | $531.05 | $14,457.21 |
| 30 | April 1, 2028 | $14,457.21 | $410.70 | $120.36 | $0.00 | $531.05 | $14,046.51 |
| 31 | May 1, 2028 | $14,046.51 | $414.12 | $116.94 | $0.00 | $531.05 | $13,632.40 |
| 32 | June 1, 2028 | $13,632.40 | $417.56 | $113.49 | $0.00 | $531.05 | $13,214.83 |
| 33 | July 1, 2028 | $13,214.83 | $421.04 | $110.01 | $0.00 | $531.05 | $12,793.79 |
| 34 | August 1, 2028 | $12,793.79 | $424.54 | $106.51 | $0.00 | $531.05 | $12,369.25 |
| 35 | September 1, 2028 | $12,369.25 | $428.08 | $102.97 | $0.00 | $531.05 | $11,941.17 |
| 36 | October 1, 2028 | $11,941.17 | $431.64 | $99.41 | $0.00 | $531.05 | $11,509.53 |
| 37 | November 1, 2028 | $11,509.53 | $435.24 | $95.82 | $0.00 | $531.05 | $11,074.29 |
| 38 | December 1, 2028 | $11,074.29 | $438.86 | $92.19 | $0.00 | $531.05 | $10,635.43 |
| 39 | January 1, 2029 | $10,635.43 | $442.51 | $88.54 | $0.00 | $531.05 | $10,192.92 |
| 40 | February 1, 2029 | $10,192.92 | $446.20 | $84.86 | $0.00 | $531.05 | $9,746.72 |
| 41 | March 1, 2029 | $9,746.72 | $449.91 | $81.14 | $0.00 | $531.05 | $9,296.81 |
| 42 | April 1, 2029 | $9,296.81 | $453.66 | $77.40 | $0.00 | $531.05 | $8,843.15 |
| 43 | May 1, 2029 | $8,843.15 | $457.43 | $73.62 | $0.00 | $531.05 | $8,385.72 |
| 44 | June 1, 2029 | $8,385.72 | $461.24 | $69.81 | $0.00 | $531.05 | $7,924.48 |
| 45 | July 1, 2029 | $7,924.48 | $465.08 | $65.97 | $0.00 | $531.05 | $7,459.39 |
| 46 | August 1, 2029 | $7,459.39 | $468.95 | $62.10 | $0.00 | $531.05 | $6,990.44 |
| 47 | September 1, 2029 | $6,990.44 | $472.86 | $58.20 | $0.00 | $531.05 | $6,517.58 |
| 48 | October 1, 2029 | $6,517.58 | $476.79 | $54.26 | $0.00 | $531.05 | $6,040.79 |
| 49 | November 1, 2029 | $6,040.79 | $480.76 | $50.29 | $0.00 | $531.05 | $5,560.02 |
| 50 | December 1, 2029 | $5,560.02 | $484.77 | $46.29 | $0.00 | $531.05 | $5,075.26 |
| 51 | January 1, 2030 | $5,075.26 | $488.80 | $42.25 | $0.00 | $531.05 | $4,586.46 |
| 52 | February 1, 2030 | $4,586.46 | $492.87 | $38.18 | $0.00 | $531.05 | $4,093.59 |
| 53 | March 1, 2030 | $4,093.59 | $496.97 | $34.08 | $0.00 | $531.05 | $3,596.61 |
| 54 | April 1, 2030 | $3,596.61 | $501.11 | $29.94 | $0.00 | $531.05 | $3,095.50 |
| 55 | May 1, 2030 | $3,095.50 | $505.28 | $25.77 | $0.00 | $531.05 | $2,590.22 |
| 56 | June 1, 2030 | $2,590.22 | $509.49 | $21.56 | $0.00 | $531.05 | $2,080.73 |
| 57 | July 1, 2030 | $2,080.73 | $513.73 | $17.32 | $0.00 | $531.05 | $1,567.00 |
| 58 | August 1, 2030 | $1,567.00 | $518.01 | $13.05 | $0.00 | $531.05 | $1,048.99 |
| 59 | September 1, 2030 | $1,048.99 | $522.32 | $8.73 | $0.00 | $531.05 | $526.67 |
| 60 | October 1, 2030 | $526.67 | $526.67 | $4.38 | $0.00 | $531.05 | $0.00 |