Loan Payment Tables by Amount
What a loan actually costs each month, by amount, rate, and term. Pick your borrowing amount below for full payment tables, total interest, and the cost difference across credit tiers. Every figure is computed from the standard amortization formula — no lead forms, no sign-up.
Choose your loan amount
Monthly payments shown at 11.86% APR over 5 years. That rate is the Federal Reserve's average for 24-month personal loans at commercial banks in the second quarter of 2026 (G.19, September 8, 2026 release); your own rate depends on your credit, lender and term.
Every Amount Side by Side
Monthly payment at 11.86% APR across each term.
| Loan amount | 2 yr | 3 yr | 4 yr | 5 yr | 6 yr | 7 yr |
|---|---|---|---|---|---|---|
| $5,000 | $235 | $166 | $131 | $111 | $97 | $88 |
| $8,000 | $376 | $265 | $210 | $177 | $156 | $141 |
| $10,000 | $470 | $331 | $263 | $222 | $195 | $176 |
| $12,000 | $564 | $398 | $315 | $266 | $234 | $211 |
| $15,000 | $705 | $497 | $394 | $333 | $292 | $264 |
| $20,000 | $940 | $663 | $525 | $443 | $390 | $352 |
| $25,000 | $1,175 | $829 | $657 | $554 | $487 | $439 |
| $30,000 | $1,410 | $994 | $788 | $665 | $584 | $527 |
| $35,000 | $1,645 | $1,160 | $919 | $776 | $682 | $615 |
| $40,000 | $1,880 | $1,326 | $1,051 | $887 | $779 | $703 |
| $45,000 | $2,115 | $1,492 | $1,182 | $998 | $876 | $791 |
| $50,000 | $2,350 | $1,657 | $1,313 | $1,109 | $974 | $879 |
| $60,000 | $2,820 | $1,989 | $1,576 | $1,330 | $1,169 | $1,055 |
| $75,000 | $3,526 | $2,486 | $1,970 | $1,663 | $1,461 | $1,318 |
| $100,000 | $4,701 | $3,315 | $2,627 | $2,217 | $1,948 | $1,758 |
Your credit score sets your rate
The single biggest lever on what a loan costs is not the amount or the term — it is the rate, and the rate is driven mostly by your credit score. Lenders don't publish one rate per score band, but the gap between offers is large: on a $30,000 loan over five years, 9% APR costs $7,365 in interest and 18% costs $15,708. Example rates, not market averages. Use the rate × term table on each amount page to find your own offer.
Need a different amount?
The Complete Loan Calculator handles any amount, rate, and term — plus bi-weekly payments, origination fees and true APR, and a full amortization schedule.