See your estimated monthly payment, total interest, and total repayment cost before you apply. Adjust the amount, APR, and term to compare scenarios instantly.
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This tool uses the standard loan amortization formula. You choose an amount, an APR between 36% and 179.50%, and a term from 12 to 48 months. The calculator works out a fixed monthly payment where each installment covers the interest owed that month plus part of the principal, so the balance reaches zero at the end of the term.
Personify may add an origination fee of 5.49% of the amount received, or $175, whichever is lower. Unlike some lenders that deduct the fee before disbursing, Personify adds it to your balance — so you finance the fee over the life of the loan. Toggle the fee option above to fold it into your estimate.
It's based on three inputs — loan amount, APR, and term — run through the standard amortization formula. Each fixed monthly payment covers that month's interest plus part of the principal until the balance is fully paid.
Personify APRs run from 36% up to 179.50%. At the higher end, interest can add up to a large share of what you borrow, especially over longer terms. A shorter term or paying off early both reduce total interest.
Only if you turn it on. Toggle "Add origination fee" to include 5.49% of the amount (capped at $175), added to your balance the way Personify applies it.
No — it's an independent estimate for planning only. Your real rate, term, and payment are shown when you check your rate, which uses a soft inquiry that does not affect your credit score.
Soft check, no obligation, no impact to your credit score. Borrow from $200 to $5,000, with funds as soon as the next business day after approval.