Utility-first estimate
Personal Loan Calculator
Adjust the amount, rate, and term to see an estimated monthly payment. Then check if you qualify in under 2 minutes — no impact on your credit score.
No commitment
See your estimated payment before sharing any contact details.
No credit impact
Checking your rate here does not affect your credit score.
Under 2 minutes
Four short questions after the calculator. That's it.
About this estimate
This is an illustrative estimate based on your inputs. Actual rates and approval depend on lender review. Harbor is not the lender.
Estimate your payment
Start with realistic defaults, then adjust the amount, APR, and term as needed.
Not sure? We've pre-filled a typical personal loan rate. Your actual rate depends on your credit and lender.
Estimated monthly payment
$346.60
Total interest
$2,477.76
Total repayment
$12,477.76
Illustrative estimate only. Actual rates and approval depend on lender review.
See the rates you may qualify for
Your estimate shows $346.60/mo — check your actual rate in under 2 minutes. No impact on your credit score.
- No impact on credit score
- Takes less than 2 minutes
- Secure and encrypted
Why do you need the loan?
Select the option that best fits your situation.
About This Personal Loan Calculator
This calculator estimates your monthly payment, total interest, and total repayment based on loan amount, APR, and term. Results are illustrative — your actual rate and terms depend on lender review of your full application.
Harbor is not a lender. After you complete the short form, your request is reviewed by lending partners. There is no cost to apply and no impact on your credit score from using this tool.
Loan amount
Personal loans typically range from $1,000 to $50,000. This calculator supports estimates up to $99,999.
APR
APR (Annual Percentage Rate) includes interest and fees. Typical personal loan APRs range from 6% to 36%.
Loan term
Most personal loans have 12 to 84 month terms. Longer terms reduce monthly payments but increase total interest.