Loan calculators for the UK
Car loans, personal loans and paying off debt.
- 6 free calculators
- Updated for 2026/27
- Official figures, no sign-up
Calculators
- Car Loan Your monthly repayments, total interest and the real cost of the car.
- Personal Loan Your monthly repayments, total interest and the APR with fees.
- Credit Card Repayment When you’ll be debt-free, and what paying only the minimum costs.
- Student Loan Repayment Your monthly repayment, and whether you’ll clear the loan before it’s written off.
- Debt Payoff Clear several debts faster: snowball or avalanche, and your debt-free date.
- Car Affordability The most a car can cost for the monthly payment that fits your budget.
Guides
All UK guides- Loans & credit Student loan repayments explained How student loan repayments work in the UK, which plan you're on, how much comes off your pay on each plan in 2026/27, and whether to pay it off early. Read the guide
- Loans & credit How to build a credit history from scratch in the UK New to credit or to the UK? How to build your credit file: the electoral roll, credit-builder cards, rent reporting and how long things stay on your file. Read the guide
- Loans & credit Buy now, pay later in the UK: costs, credit and the rules How buy now, pay later works in the UK, what a missed payment costs, how it affects your credit file, and the FCA rules that protect you from 15 July 2026. Read the guide
- Loans & credit UK credit scores: what affects yours and how to raise it How credit scores work in the UK, the three credit reference agencies, what lenders look at, how to check your score free and the quickest ways to improve it. Read the guide
- Loans & credit Help with debt in the UK: free advice and formal options Free, confidential debt help in the UK, which debts to pay first, talking to lenders, and the formal options from Breathing Space to a Debt Relief Order. Read the guide
- Loans & credit How to pay off debt in the UK: avalanche or snowball? How to pay off several debts in the UK: the avalanche and snowball methods, which saves more, and how to pay less interest, with a worked example. Read the guide