Personal loans, sized to fit
Every loan grows rings.
Each ring is one year of payments. Choose an amount and a term to see what every year costs, before a lender decides the size for you.
Magenta arc: the share of each year's payments that goes to interest. Ring width: the principal you repay that year.
Sizes at a glance
Change the rateStart from the amount
Twelve sizes from $500 to $100,000. Each page works out the payment at several rates and terms, the income lenders look for, and who lends that much.
All loan sizesSmall loans: $500 to $3,000
Mid-size loans: $5,000 to $20,000
Large loans: $25,000 to $100,000
Payments at 15% APR over 36 months, for comparison only; your rate and term set your own.
Then count the rings
A longer term means more rings: a smaller payment, and more years of interest. Here is a $10,000 loan at 15% APR across the common terms.
- 12-month personal loans $903 a month, $831 interest
- 24-month personal loans $485 a month, $1,637 interest
- 36-month personal loans $347 a month, $2,480 interest
- 48-month personal loans $278 a month, $3,359 interest
- 60-month personal loans $238 a month, $4,274 interest
- 72- and 84-month personal loans $193 a month, $6,209 interest
Sizing guides
How lenders decide what to offer, and how to ask for an amount you can get and repay.
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How much to borrow
Five steps from the real cost to an amount you can get in full and repay from an ordinary month.
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Income for a personal loan
Which income counts, the documents that prove it, and the $962.92 a month each $10,000 needs at 15% over 36 months.
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Debt-to-income and loan size
How a 36% or 40% DTI limit turns $163 or $395 of monthly room into a loan amount, with a worked example.
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Credit score and loan amount
How credit sets the APR, and why $400 a month repays $15,189.58 at 12% but $11,109.26 at 30% over 48 months.
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Minimum and maximum loan amounts
Why floors and ceilings exist, PALs from $200 to $2,000, and how $520 of monthly room caps you near $15,000.
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Loan amount and the law
The $73,400 Truth in Lending line for 2026, PALs up to $2,000, and state caps that shift at $2,500, $10,000, $12,000.
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Loan counteroffers
Less money, a longer term or a higher rate: how to judge a counteroffer, with a $15,000 worked example.
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Covering fees in the loan amount
A 5% fee turns 14% into a 17.65% APR on $10,000 over 3 years. How to gross up and when no-fee costs less.
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Choosing a term for your amount
$12,000 costs $2,765 in interest over 36 months and $5,509 over 60. How to pick the shortest term that fits.
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A second personal loan
Adding $5,000 to an existing loan lifts DTI from 34.6% to 38.0% in our example. When two loans or one fits better.
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Borrowing more on an existing loan
A top-up is a new loan that pays off the old one. A reset term cost $2,690 more in our $5,000 example.
Loan math
- Payment by loan size Pick an amount, a rate and a term: see the monthly payment, the total interest and how the balance falls each year.
- How much can I borrow? Start from your income and the debts you already pay to find the payment, and the loan size, that fits a debt-to-income limit.
- Loan term comparison One amount, every common term from 12 to 84 months side by side: payment, interest and total paid.
- Amount to request When a lender takes its origination fee out of the loan, find the amount to ask for so the cash you need still arrives.
Borrower briefing
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Rates
Fed G.19: average 24-month bank personal loan rate 11.90% in Q3 2026As a worked example, $10,000 over 36 months at 11.90% costs about $332 a month and $1,940 in interest, so use a rate near your own credit profile, not the average, when you size the payment.
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Rates
Fed holds the federal funds target at 3.75% to 4.00%Rates on new fixed-rate personal loans have no new push from the Fed this round, so a quote you get now should not shift much for that reason alone.
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Rates
Fed raises the federal funds target 0.25 point, to 3.75% to 4.00%A 0.25-point rise passed fully into a fixed rate adds about $1.23 a month and $44 of interest to a $10,000, 36-month loan at 15% APR (worked example), so the term and amount matter far more than this move.
Send lenders the amount you have in mind
Tell us how much, for how long and what for. Lendarbor passes your request to lenders and loan brokers who may make you an offer; you decide whether any offer fits.
- 1 The amount, the term and the purpose.
- 2 Your name, phone and email, and your consent to be contacted.
- 3 A lender or loan broker may contact you with an offer, sometimes for a different amount or term. Nothing is decided until you sign.
You pay Lendarbor nothing. The lenders and loan brokers who contact you set their own rates, fees and loan sizes. How we make money.