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Personal Loan Calculator

Work out your monthly personal loan repayments, the total interest and the APR including any fees.

€
%
More options
€

Charged by the lender up front

Monthly payment

€307.49

36 payments on €10,000 at 6.72%

Total interest
€1,070
Total repaid
€11,070
What the loan costs
  • Amount borrowed€10,000
  • Interest€1,070

What this means

You’d pay back €11,070 for €10,000: €1,070 of it is interest.

Compare loans by their APR, which includes fees as well as interest, and borrow over the shortest time you can afford: longer loans have lower payments but cost more.

Next step

Breakdown

Loan amount€10,000.00
Amount repaid over the loan€10,000.00
Interest€1,069.73
Total repaid€11,069.73
Total cost of borrowing€1,069.73

About the rate

New consumer loans averaged 6.72% in July 2026 (Central Bank of Ireland).

The rate you’re offered depends mostly on your credit history and income. When comparing offers, look at the APR, which includes fees: with this loan’s fee, the APR is 6.93%.

Principal and interest paid each year
€3,690€1,845€0
123
PrincipalInterest
Assumptions in this estimate
  • Assumes a fixed rate and equal repayments, with interest worked out on each repayment.
  • The APR here includes the up-front fee you enter. Lenders may include other costs, so their APR can differ slightly.
  • Late payment charges, insurance and early repayment fees aren’t included.
Spotted a mistake? Tell us

How the calculator works

  1. Your repayments: worked out so equal payments repay the loan, with interest, by the end of the term.
  2. The fee: if your lender charges one, enter it under More options. It’s either taken from the loan, paid up front, or added to the loan.
  3. The APR: the yearly rate including the fee, so you can compare offers fairly.

Shorter or longer?

Borrowing €10,000 at 6.72%:

Loan length Monthly repayment Total interest
3 years €307.49 €1,070
5 years €196.69 €1,802

New consumer loans averaged 6.72% in July 2026, according to the Central Bank of Ireland.

Last updated

Frequently asked questions

How much would a €10,000 loan cost?

At 6.72% over three years, €307.49 a month and €1,070 of interest.

What is the difference between the interest rate and the APR?

The interest rate is what you pay on the balance. The APR also includes up-front fees, so it's the better figure for comparing loans. With no fees, they're the same.

Is a longer loan better?

It lowers each repayment but costs more interest in total. On €10,000 at 6.72%, five years costs €1,802 of interest against €1,070 over three years.

How can I get a lower rate?

A good credit record usually gets a lower rate. Compare banks, credit unions and other lenders on their APR.