İhtiyaç kredisi hesaplayıcı
The detailed guide below is currently available in English.
Shopping for a personal loan
Personal loans are typically unsecured, fixed-rate installment loans of two to seven years, priced mainly on your credit profile. The payment falls as the term stretches, but total interest rises — a 5-year term can cost half again as much interest as a 3-year one for the same balance. Watch for origination fees of 1–10%, which lower the cash you actually receive; the monthly payment is still computed on the full amount.
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What can I use a personal loan for?
Almost anything: consolidating card balances, medical bills, home projects, or large one-time purchases. Rates are usually far below credit card APRs, which is what makes them a common consolidation tool.
How does an origination fee affect me?
It is deducted from the amount funded — borrow $15,000 with a 3% fee and you receive $14,550 but repay the full $15,000. Enter the full amount here and check the APR calculator to see the true cost.