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Loan Calculator Spain
Free, 100% digital loan calculator
Calculate and save money with lower interest rates
Instant answers from multiple lenders
Example: flexible personal loans with repayment terms from 3 months to 6 years, with a minimum APR of 7% and a maximum APR of 35%. For example, if you apply for a €5,000 loan to be repaid over 24 months, €4,825 will be credited to your bank account (€5,000 less the bank’s administration fees, which in this case will be 3.5% of the total amount). The total amount to be repaid will be €5,482.17 with an APR of 9.38%. This offer is pending review by the bank and signature of the contract.
Curious About Your Loan Costs? Use Our Calculator to Find Out Instantly
Want to know how much a loan will really cost you each month? With our loan calculator, you can enter your desired amount, loan term, and interest rate to get an instant estimate of your monthly payments and total repayment. No sign-up, no waiting—just real numbers tailored to your input.
How to Use Our Loan Calculator
Our calculator is designed to give you a fast and accurate estimate based on three key inputs:
- Amount – Enter how much you want to borrow. You can adjust this to see how different loan sizes affect your payments.
- Term – Select how long you want to repay the loan (e.g., 12–96 months). Longer terms lower your monthly payment but increase total interest.
- Purpose – Choose the reason for your loan (e.g., personal, car, mortgage). This helps us match your input with average market rates for that loan type.
Once you’ve entered the details, the tool instantly shows your estimated monthly payment and total repayment, helping you plan with confidence.
How Does a Loan Calculator Work?
A loan calculator uses a standard amortization formula to estimate your monthly payments based on the loan amount, term, and interest rate. It breaks down the repayment into equal installments that include both principal (the amount borrowed) and interest (the cost of borrowing).
The calculator assumes a fixed interest rate and equal monthly payments throughout the loan term. While the exact rate you receive may vary depending on your credit profile and lender, the results give you a realistic picture of what to expect—before you apply.
Example of a Loan
Below is a table showing how different loan amounts and terms affect your monthly payments and total repayment. These examples use a fixed interest rate of 7% (APR) to illustrate realistic scenarios.
| Loan Amount | Term | Monthly Payment | Total Repayment | Interest Paid |
|---|---|---|---|---|
| €5,000 | 24 months | €224.99 | €5,399.76 | €399.76 |
| €10,000 | 36 months | €308.77 | €11,115.72 | €1,115.72 |
| €15,000 | 48 months | €359.36 | €17,449.28 | €2,449.28 |
| €20,000 | 60 months | €396.02 | €23,761.20 | €3,761.20 |
| €25,000 | 72 months | €426.55 | €30,711.60 | €5,711.60 |
These figures are estimates and assume no setup fees or early repayment penalties. Actual offers may vary depending on the lender and your financial profile.
FAQ
Loan Calculator
No. The result is only an estimate based on typical interest rates. Actual loan terms depend on your credit profile, income, and the lender’s assessment.
We apply an average fixed rate based on the loan type you select. This gives a realistic benchmark, but your final rate may be higher or lower.
Yes. The calculator is fully anonymous—no login, no email, no tracking. It’s designed to give you instant insight without commitment.
It focuses on principal and interest. Some lenders charge setup fees or insurance, which are not included in the base estimate. Always check the APR (TAE) when comparing real offers.