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Personal loans: small balance, big interest.
At 11–25% APR, even a modest personal loan generates serious interest. Know the total before you sign.
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⚡ What if you paid extra?
save $0Where every dollar paid has gone — principal vs interest
| Year | Principal | Interest | Cum. Interest | Balance |
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Frequently asked questions
Why are personal loan rates so high?
They're unsecured — no collateral backs them — so lenders price in more risk. Rates of 10–25% are common depending on credit.
Is it worth paying off a personal loan early?
Usually yes, given the rates. Check your agreement for prepayment penalties, then use the extra-payment slider to see your savings.
Personal loan vs credit card — which costs less?
A personal loan usually carries a lower rate and a fixed payoff date. Run both balances here at their respective rates to compare totals.
Does the term length matter on a small loan?
Enormously, in percentage terms. Stretching $15,000 from 3 to 7 years at 12% roughly doubles the total interest.
📖 Related guide: Loan glossary: APR vs rate, principal & more