Repayment calculator

Estimate your repayments

Enter the amount, the interest rate from your quote and the term to see roughly what each repayment could be.

Everything is worked out in your browser. Nothing you enter here is sent anywhere or saved.

1Currency

For example 250,000

Use the rate from your quote or loan offer.

See how much sooner you could finish and how much interest you could save. Check first whether your loan allows extra repayments and whether a fee applies.

2How often will you repay?

Good to know

  • This is a guide only. It is not a quote, an offer of finance, a borrowing limit or financial advice.
  • It assumes the rate you enter stays the same for the whole term and that every repayment is made on time. Real repayments can differ because of fees, charges, rate changes and how and when interest is calculated.
  • Pay In Time does not publish interest rates on this website. Any rate is set only after we assess your application. Ask for the comparison rate (or APR) and all fees in writing so you can compare lenders fairly.

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Work it out backwards

How much could a repayment cover?

Start from the repayment that fits your budget and see roughly how much that repays over your chosen term.

Also worked out only in your browser. This is not a borrowing limit: what you can actually borrow depends on an assessment of your application.

For example 1,500. Leave room in your budget for rises and surprises.

Use the rate from a quote you have.

+How often?

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