Calculate your repayment time

This loan payoff calculator is a helpful tool to use to determine how long it will take you to repay your personal loans. If you're looking to repay your loans faster than you can currently afford, you may want to consider consolidating your other unsecured bills through our non-profit program. Our clients save an average of $142 per month by consolidating their credit cards with us. Imagine how fast you could pay down your loans if you could use savings like this to increase your monthly loan payments!

How you should use this calculator

This is a simple calculator to help you determine how long it will take you to pay off your personal loans. You can use this calculator to see how long it will take you to pay off an existing loan, or use it if you’re going to be shopping around for a new loan. When shopping for a loan, the interest rate is the most important factor to consider. Use this calculator to see what your monthly payments will be using different interest rates.

If you find that the monthly payments calculated for the information you’ve entered are too high, it may be wise for you to consider paying off some of your existing debt to free-up the extra funds you need. If credit card debt payments are wreaking havoc on your budget, we may be able to help you to reduce your interest rates, your monthly payments, and to help you get your balances paid off in a much shorter time-frame than you could on your own, making just the minimum payments.

o see the savings that our typical clients enjoy, take a look at the Savings Comparison illustration below. If you’d like to see if we can help, we invite you to complete the contact form on this page or call one of our nationally certified credit counselors right now at