Loans and credit

Loan Comparison Calculator

Q: Is the loan with the lowest interest rate always cheaper?

No. Higher fees or insurance can outweigh a small rate advantage, especially on shorter loans.

Q: Does the result equal the official APR or TAEG?

No. This is a cash-cost comparison, not a regulatory APR calculation. Use each lender’s official disclosure for the contractual APR or TAEG.

Q: Can I compare offers with different terms?

This page uses one common term so the comparison remains like for like. Test another duration separately to compare repayment strategies.

Enter two loan offers with the same amount and term to see which one costs less overall.

Your result€733.50

Estimated saving with offer A.

Offer A all-in payment: €1,184.67
Offer A total cost: €85,820.47
Offer B all-in payment: €1,179.39
Offer B total cost: €86,553.97

The shared link contains the values you entered.

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How it works

Each payment uses the standard amortized-loan formula. Total cost adds interest, upfront fees and monthly insurance over the full term.

Understanding your result

The lowest rate is not always the cheapest offer. Compare the all-in monthly payment and total cost, then check the lender’s official APR and contract conditions.

Last verified: 29 September 2026

03FAQ

Frequently asked questions

How does this calculator compare two loans?

It calculates each base payment, then adds upfront fees and monthly insurance to compare the total estimated borrowing cost.

Is the loan with the lowest interest rate always cheaper?

Does the result equal the official APR or TAEG?

Can I compare offers with different terms?

Loan Comparison Calculator

How it works

Understanding your result

Frequently asked questions

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