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Know The Numbers Before You Sign
Four planners built on the same math our underwriters use — repayments, affordability, early payoff and refinancing, with nothing hidden in the fine print.
Customize Your Loan
Pick a loan type for its representative rate, or set your own numbers.
Representative example: borrowing $25,000 over 5 years at 8.99% APR means 60 monthly payments of $519 and $31,130 repaid in total.
What You’ll Pay
Updated live as you move the sliders.
Principal $25,000 Interest $6,130
Every dollar of this loan costs about 25 cents in interest over its life.
Apply For This LoanYear-by-year Schedule
How each year’s payments split between principal and interest.
| Year | Payments | Principal paid | Interest paid | Remaining balance |
|---|
Your Monthly Picture
We cap repayments at 36% of take-home income — the standard debt-service rule lenders apply.
What You Can Afford
Rent, cards and existing loans count as commitments.
Loan budget $222 Other commitments $1,650
With $5,200 coming in and $1,650 committed, a $222 repayment keeps you inside the 36% rule.
Your Current Loan
Lendora never charges early-repayment penalties — every extra dollar goes straight to principal.
What The Extra Buys You
Compared with paying only the scheduled amount.
New payoff time 41 mo Time saved 7 mo
An extra $150 a month clears this loan 7 months sooner and keeps $780 of interest in your pocket.
Today’s Loan Vs A New One
If switching costs more than it saves, we say so — in writing.
Is The Switch Worth It?
Same remaining term, new rate, fees included.
New payment $1,310 You keep $186
Refinancing pays for itself in 19 months, then saves $186 every month after that.