Calculate monthly payments on a consumer loan, the total amount of payments and create a detailed payment schedule
Calculate monthly payments on a consumer loan, the total amount of payments and create a detailed payment schedule
Enter the loan parameters and click 'Calculate'
A consumer loan is a non-targeted loan for any needs without collateral. This is one of the most accessible ways to receive funds for various purposes.
A consumer loan has many advantages:
To obtain a consumer loan, you must meet certain requirements:
There are several types of consumer loans:
Combining several loans into one with more favorable conditions
Quickly receive funds for urgent needs
To obtain favorable terms for consumer lending:
A consumer loan is a non-targeted loan for any needs without collateral. This is one of the most accessible ways to receive funds for various purposes.
Amount 500,000 ₽, rate 15% per annum, term 3 years, annuity payments
Monthly payment: 17,333 ₽, Total overpayment: 123,988 ₽, Effective rate: 15%
Amount 1,000,000 ₽, rate 12% per annum, term 5 years with early repayment 10,000 ₽/month
Monthly payment: 22,244 ₽ + 10,000 ₽ early, Term reduced to 2 years 8 months, Savings: 180,000 ₽
Amount 300,000 ₽, rate 18% per annum, term 2 years, differentiated payments
First payment: 17,250 ₽, Last payment: 12,750 ₽, Total overpayment: 54,000 ₽
Combining 3 loans: 200,000 ₽ at 20%, 150,000 ₽ at 18%, 100,000 ₽ at 22% into one at 15%
Total amount: 450,000 ₽, New rate: 15%, Savings: 45,000 ₽ per year
Amount 50,000 ₽, rate 25% per annum, period 1 year for urgent needs
Monthly payment: 4,687 ₽, Total overpayment: 6,244 ₽, Quick approval: 1 day
A consumer loan has many advantages:
To obtain a consumer loan, you must meet certain requirements:
There are several types of consumer loans:
Combining several loans into one with more favorable conditions
Quickly receive funds for urgent needs
To obtain favorable terms for consumer lending:
The monthly payment is calculated using the annuity formula: Payment = Loan amount × (Rate × (1 + Rate)^Term) / ((1 + Rate)^Term - 1). Our calculator will automatically perform all calculations.
Annuity payments are equal for the entire loan term, differentiated ones decrease over time. With an annuity, interest is paid first, with differentiated annuities, the principal is paid.
Passport, certificate of income, certificate of employment, bank statement on the status of accounts. For larger amounts, additional documents may be required.
Yes, early repayment is allowed without penalties. You can repay in part or in full, which significantly reduces the overpayment.
You can improve your credit history, increase your income, provide guarantors, choose a longer term, or consider refinancing.
Refinancing with another bank on more favorable terms to reduce the interest rate or monthly payment.
Standard loans, preferential programs, loans for young families, pensioners, military personnel and other categories of borrowers.
Short term means less overpayment, but higher monthly payment. Long term means lower payment, but higher overpayment. Choose based on your financial capabilities.
Credit history is information about all loans and borrowings of the borrower. You can get it for free at BKI or through State Services.
Yes, there are programs without certificates, but the interest rate will be higher and the maximum amount will be lower.
Overpayment = Total amount of payments - Loan amount. Our calculator will show the exact overpayment and effective rate.
The effective rate takes into account all payments on the loan, including fees and insurance. Shows the real cost of the loan.
Yes, but the conditions will be less favorable: higher rate, lower amount, shorter term. It is recommended to improve your credit history first.
Life insurance protects the borrower and the bank from risks. May be mandatory or voluntary, affects the loan rate.
Credit limit is the maximum amount that the bank is willing to lend to the borrower. Increases with good credit history and income growth.
Yes, you can change the term, payment amount, add or remove insurance. Contact your bank to review the terms.
Maximum amount = Monthly income × 0.5 - Existing payments. Banks usually do not give a loan if the payment exceeds 50% of income.
Temporary deferment of loan payments in case of financial difficulties. Can be provided by the bank at the request of the borrower.
Compare interest rates, conditions, requirements for the borrower, speed of application consideration and quality of service.
A specialist who helps you choose the best loan, collect documents and fill out an application. Can save time and find better conditions.
Yes, most banks issue consumer loans in cash or by transfer to a card. Conditions may differ from non-cash loans.
Check the license of the Central Bank of the Russian Federation, bank ratings, customer reviews, and the presence of the bank in the register of participants in the deposit insurance system.
A credit card is a revolving line of credit, a consumer loan is a one-time loan for a fixed amount with a fixed term.
In case of early repayment, the payment schedule is recalculated. You can repay in full or in part, in any case it is beneficial to the borrower.
Credit rating is an assessment of the borrower's creditworthiness. Improves with timely payments, stable income and no late payments.
Yes, most banks issue consumer loans without guarantors, especially for small amounts and with a good credit history.
Fill out the form on the bank’s website, attach documents, wait for the decision. If approved, sign the contract and receive the money.
Credit load is the share of monthly payments in income. Calculated as (All loan payments / Income) × 100%. No more than 50% is recommended.
Yes, many banks issue loans to pensioners, but the conditions may differ: higher rate, lower amount, shorter term, a guarantor is required.
The insurance is calculated as a percentage of the loan amount or debt balance. Can be one-time or monthly, affects the total cost of the loan.
Temporary deferment of payments in case of financial difficulties. Provided upon application in case of job loss, illness, or natural disasters.