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What will this loan really cost?

Enter the offer as the lender told it. We work out the true yearly rate from the money you actually get and the EMIs you actually pay.

Why the told rate isn't the real rate

  • Flat rates charge interest on the full loan for the whole term.
  • Processing fees and insurance are taken out first, so you get less but repay the same.
  • Lenders must show the APR in the Key Fact Statement — compare that, not the headline rate.

Got the papers? Upload them and we'll read the numbers and every charge for you.