Loans & Credit Calculators
Compare loans, work out credit card payoff plans, and see whether consolidating your debts could save you money.
Tools & checkers
All calculators →Personal Loan Calculator
Monthly repayments and total cost of a UK personal loan.
Start checkCar Finance Calculator
Monthly cost of HP, PCP and personal loan car finance compared.
Start checkCredit Card Payoff Calculator
How long to clear a credit card balance and the interest you'd pay.
Start checkLoan Comparison Tool
Compare two loan offers side-by-side on APR, term and total cost.
Start checkDebt Consolidation Calculator
See whether one new loan could be cheaper than your current debts.
Start checkAPR vs Interest Rate Calculator
Convert headline interest into a true APR including fees.
Start checkPopular questions
In-depth Loans articles
Long-form, plain-English guides researched for UK readers.
UK Personal Loans in 2026: APR, Fees and How to Get the Best Rate
How UK personal loans work in 2026 — representative vs personal APR, soft-search vs hard-search, early repayment, and how to read the SECCI before signing.
Read guideClearing Credit Card Debt: Avalanche, Snowball and 0% Transfers
Practical 2026 guide to clearing UK credit card debt — avalanche vs snowball, 0% balance transfers, fees, and when consolidation actually saves money.
Read guideNeed help after using a checker?
Where appropriate, Checks Out can help you understand the type of professional you may need, such as a solicitor, broker, adviser, installer, relocation agent or property specialist.
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