Loan Calculator
Estimate your monthly payments and see how much you could save with LendSmart's competitive rates.
Calculate Your Payment
Loan Breakdown
Ready to see your actual rate? Check your rate without affecting your credit score.
Check Your RateHow Our Calculator Works
Understanding your loan payment calculation
Principal + Interest
Your monthly payment covers both the loan principal and interest charges, calculated using standard amortization.
Fixed Payments
Your payment stays the same each month. No surprises or variable rates to worry about.
No Hidden Fees
What you see is what you get. No origination fees, no prepayment penalties, no surprises.
Calculator FAQ
Is this calculator accurate?
This calculator provides estimates based on standard loan amortization formulas. Your actual rate and payment may vary based on your credit profile and other factors.
What APR should I use?
Your APR depends on your credit score, income, and other factors. Use the credit score selector to see estimated rates, or check your actual rate without affecting your credit.
Can I pay off my loan early?
Yes! LendSmart has no prepayment penalties. You can pay off your loan early at any time without additional fees.