APR 5.99% – 35.99%·$100 – $50,000

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How much can I afford?

Most loan calculators start with the loan amount and tell you the payment. This one runs the math in reverse: tell us what monthly payment fits your budget, and we'll show you the largest loan that fits. The DTI section helps you sanity-check the result against the affordability ratio lenders actually use.

$300
15.00%
36 months

Optional DTI check

$5,000
$800

About the DTI check

Debt-to-income ratio (DTI) is your total monthly debt payments divided by your gross monthly income. Most personal-loan lenders look for DTI under 40% post-loan, with the most competitive APRs reserved for borrowers below 30%. If your DTI lands above the threshold after the new loan, options include borrowing a smaller amount, extending the term to lower the monthly payment, or paying down existing debt first.

See what you actually qualify for.

The calculator shows you the math. The application shows you real offers.

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