Calculadora de Préstamos

Calcule pagos mensuales e interés total para diferentes tipos de préstamos incluyendo préstamos personales, de auto, estudiantiles y comerciales.

Detalles del Préstamo

$
%
$

Pago mensual adicional para reducir el plazo del préstamo

Smart Loan Planning with Our Comprehensive Loan Calculator

Whether you're considering a personal loan, auto financing, student loan, or business funding, understanding your payment obligations is crucial for making informed financial decisions. Our Loan Calculator provides detailed insights into monthly payments, total interest costs, and payment schedules for all types of loans.

This comprehensive tool helps you compare different loan scenarios, understand the impact of extra payments, and choose the financing option that best fits your budget and financial goals.


▶︎ Your Complete Loan Payment Calculator

(Your loan calculator tool is embedded here.)

Take control of your borrowing decisions with our advanced loan calculator. Whether you're planning a major purchase or consolidating debt, our tool provides the transparency you need to make smart financial choices.

  • Loan Type: Choose from personal, auto, student, business, or other loan types for tailored calculations.
  • Loan Amount: The total amount you plan to borrow, from small personal loans to major purchases.
  • Interest Rate: The annual percentage rate (APR) offered by your lender. Shop around for the best rates to save money.
  • Loan Term: Repayment period from 1 to 7 years. Longer terms mean lower monthly payments but more total interest.
  • Extra Payment: Optional additional monthly payment to reduce your loan term and save on interest.

Our calculator instantly shows your monthly payment, total interest cost, and detailed payment breakdown to help you plan your budget effectively.


Why Use Our Advanced Loan Calculator?

Comprehensive Loan Analysis

Our tool goes beyond basic payment calculations to provide complete financial insights:

  • Total cost of borrowing including all interest payments
  • Payment schedule breakdown showing principal vs. interest over time
  • Extra payment impact to see how additional payments can save you money
  • Visual charts and tables for easy understanding of your loan structure

Multiple Loan Type Support

Calculate payments for various loan types:

  • Personal Loans: Unsecured loans for debt consolidation, home improvements, or major expenses
  • Auto Loans: Vehicle financing with typical terms and rates
  • Student Loans: Educational financing with various repayment options
  • Business Loans: Commercial financing for business needs
  • Other Loans: Custom calculations for specialized lending products

Smart Payment Planning

  • Compare different loan amounts to find what fits your budget
  • Test various interest rates to understand the value of rate shopping
  • Explore different terms to balance monthly payment with total cost
  • Calculate extra payment benefits to pay off loans faster

Understanding Your Loan Payment Structure

Principal and Interest Breakdown

Every loan payment consists of two parts:

Principal: The portion that reduces your loan balance. Early payments have smaller principal portions, but this increases over time.

Interest: The cost of borrowing money. Early payments are mostly interest, decreasing as you pay down the principal balance.

The Impact of Loan Terms

Shorter Terms (1-3 years):

  • Higher monthly payments
  • Less total interest paid
  • Faster debt elimination
  • Better for those with strong cash flow

Longer Terms (4-7 years):

  • Lower monthly payments
  • More total interest paid
  • Extended payment period
  • Better for tight monthly budgets

Extra Payments: Your Secret Weapon

Making additional principal payments can dramatically reduce your loan cost:

  • Pay off loans faster by months or even years
  • Save thousands in interest over the loan life
  • Build equity faster for secured loans like auto loans
  • Improve debt-to-income ratio more quickly

Loan Calculator: Frequently Asked Questions

Q1: How accurate are these loan payment calculations?

Our calculator uses standard amortization formulas used by most lenders and provides highly accurate estimates. Your actual payment may vary slightly based on your lender's specific terms and fees.

Q2: What's the difference between APR and interest rate?

The interest rate is the cost of borrowing the principal loan amount. APR (Annual Percentage Rate) includes the interest rate plus additional fees and costs, giving you the true cost of the loan.

Q3: Should I choose the lowest monthly payment?

Not necessarily. While lower payments improve monthly cash flow, longer terms typically mean paying more total interest. Use our calculator to compare the total cost of different loan terms.

Q4: How much can extra payments save me?

Extra payments can save significant money. For example, on a $20,000 5-year loan at 8% interest:

  • Regular payments: $405/month, $24,322 total cost
  • $50 extra monthly: $455/month, $21,950 total cost
  • Savings: $2,372 and 13 months faster payoff

Q5: What types of loans work with this calculator?

Our calculator works for most installment loans including:

  • Personal loans and lines of credit
  • Auto loans and motorcycle financing
  • Student loans (federal and private)
  • Business term loans
  • Home improvement loans
  • Debt consolidation loans

Q6: When should I consider refinancing my loan?

Consider refinancing if:

  • Interest rates have dropped significantly since you borrowed
  • Your credit score has improved substantially
  • You want to change your loan term
  • You can get better terms from a different lender

Start Your Smart Borrowing Journey Today

Knowledge is power when it comes to borrowing money. Use our comprehensive loan calculator to understand exactly what you'll pay, compare different scenarios, and make confident decisions about your financial future.

Whether you're planning a major purchase, consolidating debt, or growing your business, our calculator provides the detailed insights you need to borrow smart and save money.

Remember: the best loan is often not just the one with the lowest monthly payment, but the one that offers the best balance of affordability and total cost for your specific situation.