Free personal loan calculator for monthly payment and interest

Free personal loan calculator to itemize monthly payments and interest costs. Create a loan repayment plan.

Do you want to lend someone a person-to-person personal loan, but you don't know how to calculate interest and payments, or write a Loan Agreement?

Use our free tool below to quickly calculate loan terms. Just input the payback period, interest rate you want to charge and the loan amount, and our tool will calculate the monthly payments the borrower will need to repay you.

Free personal loan calculator to estimate interest and payments
Complete These Three Columns:			Payment & interest will be:
Term of loan in months	Interest Rate You'll Charge	Amount of Loan	Monthly Loan Payment	Total Interest Charged
	%	$

How to use our calculator: In the first box, input the length of the payback period. For example, a 4 year payback would be 48 months. In the second box, input the interest rate you will charge. In the third box, type in the amount of the personal loan. Click the Calculate button and our tool will provide you the monthly payments, and the total interest you'll earn from the borrower.

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SAMPLE PERSON-TO-PERSON LOAN AGREEMENT

Person-to-Person Loan Agreement

This Person-to-Person Loan Agreement is between the lender ______________________ and the borrower ______________________, made on _____________. On this date, the lender loaned $________ to the borrower at an Annual Percentage Rate (APR) of ____%.

The borrower is to repay the lender monthly on the _______ day of each month, beginning on ____________, with a monthly payment of $_____. The monthly payment schedule shall continue for ______ months.

__________________________ __________________________

SIGNATURE OF LENDER SIGNATURE OF BORROWER

ADDRESS OF LENDER ADDRESS OF BORROWER

__________________________

SIGNATURE OF WITNESS

ADDRESS OF WITNESS

[NOTE: A Notary Public is the preferred witness]

Personal Loan Agreement

A personal loan agreement (or note) is a signed acknowledgment of a loan with a promise to repay in a specified manner within a certain time frame and/or a number of payments per a schedule. A loan of this nature between people is commonly called a person-to-person loan, but is also known as a signature loan as well as a personal loan.

The main difference between a promissory note and an IOU, is that an IOU merely acknowledges that money is owed. An IOU lacks the details of how or when the loan will be repaid, in what increments, if interest will be charged and so forth.

Our free Sample Personal Loan Agreement is provided as an example guide. To be compliant with your particular state laws, we suggest that you consult an attorney.

Interest Charges and Late Fees - It's not only acceptable to charge interest, we also encourage it. By charging interest; even to a friend or family member, you are making the loan less personal and more professional. Instead of you merely doing a favor of loaning money, you're charging the borrower for it. How much interest you can charge is determined by the usury law in your state or country. Contravening usury laws by charging unacceptably high interest may be a criminal offence. If a court rules your rates as unlawful, all the interest payments on the loan may be offset against the principal loan amount. Illegal interest rates may also result in the agreement being deemed null and void. We recommend charging a little less than the interest rates charged by banks in your area.

Of course you don't have to charge interest, but if you choose not to you can claim the unearned interest as a tax free gift. You would need to:

specify on the agreement that the loan is interest free
ensure that the total interest (as would normally be applicable) does not exceed the amount permissible for tax-free gifts in a calendar year

Secured or No Collateral - Another thing to consider is whether or not you will require security (collateral). If you don't require collateral, should the borrower file bankruptcy or is declared bankrupt, any available money (from liquidated assets etc.) will first go towards secured loans. So if your loan agreement is unsecured and there are no co-signors or guarantors to assume responsibility for repaying you, you may not be able to recoup your money. Some items you could consider as collateral are jewelry, electronics or even a car. A UCC (Uniform Commercial Code) filing serves as public record that the goods described are attached as security or collateral against a Note.

Another way to protect yourself is to require a cosigner to sign the Promissory Note. As co-signors they will then be held jointly and severally responsible. Alternatively, or in addition, you may have a separate guaranty agreement with a person who will assume full responsibility for repayment of the loan, should the original borrower(s) default.

Before you sign as guarantor to a loan, you need to verify whether you are guaranteeing a once-off fixed amount (with specified interest) or the ongoing indebtedness of a business operation. In the second instance, the onus is on you to monitor the balance sheet and to notify creditors timely to withhold further extension of credit. Have your guaranty agreement reviewed by an attorney to ensure that you understand and agree to the conditions therein.

Regardless of whether it's a secured or unsecured personal loan and whether or not you have cosigners, you still need witnesses. A notary public is preferred for utmost validity. If you choose not to have it notarized, you must have it signed by independent witnesses. The lender must not sign as witness.

Tip: Keep proof of payments. Even if you are the lender, you want to give the borrower receipts for payments and keep receipt copies yourself. If the borrower repays with checks, make photocopies of the checks before you cash them. You may think that this act is of no benefit to you, but it really is. For example: If you lose the Agreement and the borrower denies owing you the money, you could use the receipts and payment copies as proof that the borrower knew repayment was required and was actually making repayments.

Personal Loan Terminology:

The person giving the loan is referred to as the noteholder or bearer, lender, creditor, payee, promisee, obligee, seller and/or service provider.
The person who must repay the loan is the maker of the Note, borrower, debtor, payer, promisor, obligor, buyer, endorser and/or customer.

Advice, Tips and Personal Loan News

Payday Personal

Laws for payday loans are not always the same as those for a traditional loan, and sometimes there can be a misunderstanding about the different types of loans. Payday loan fees vary among lenders, some offer very reasonable rates and others may have higher interest rates. Now there are laws that can protect the consumer.

Examples of some payday loan laws:

* High, excessive fees can not be charged.

* Service charges may be limited.

* Information must be provided about interest rates and fees.

* The Terms and Conditions must be provided.

* The fees and interest rates that will be charged must be understandable.

* Some states limit the number of loans a person can have in one year.

The federal government has made sure that information for getting loans is clear, and lenders can't take advantage of consumers. Laws that are in effect do a lot to ensure people protected. States with these loans have their own laws too, and they have certain limits which can vary among states. For example, some states restrict the number of loans a person can have during a year, or there is a limit on the how much can be charged for the loan.

Many payday loans are only for about seven to fourteen days or more, this varies among lenders. Just like any loan, the more time to repay the loan, the more interest rates are added. It is important to figure the amount of interest for the loan and if it is necessary to set a longer repayment period. The only other source to get better interest rates, is a home loan, and the home is used as collateral. The risk is loosing the home if the loan is not paid.

A mistake is when loans are not repaid on the due date or the loan is extended, which means there can be extra fees. When a short term loan is not an answer because more time to repay the loan is needed, then a secured loan may be the next option to get money. Any need for a loan must be taken seriously and not ventured into hastily. Weigh the choices for an unsecured loan and a secured loan as well as all fees, terms, and conditions.

Review Disclaimer: Review information was collected from the website, and is neither an endorsement by us nor a confirmation of content nor a warranty of any claims made by the website. Use the review information at your sole discretion and sole liability.

BadCreditLoanServices.com Review - Copyright © 2011 All rights reserved - BadCreditLoanServices.com by eSmartCredit Network™

At BadCreditLoanServices.com you’ll find many options for those experiencing financial difficulties. Our financial consultants have put together the most complete, up-to-date and reliable network of bad credit lenders available on the net. Within our site you’ll find online lenders waiting to approve your loan even with a bad credit history to fix your low credit score. Fill in our loan application and get your cash money.

Our lenders are offering the best deals available, charging low interest rates and providing very flexible repayment programs. It doesn’t matter how bad your financial situation is, our lenders will find you the loan that suits your needs. The loan length, interest rate and monthly payments can be customized to fit every budget. Don’t hesitate, we are experts in this field and we will secure the right loan for you. Guaranteed!

Within our members section you will find many new lenders known to approve applicants in high risk financial situation. Thus, if you have bad credit, no credit or even bankruptcy you can rest assured that by joining our site you’ll get the second chance you deserve. There are no restrictions as regards the loan amount; our lenders are specialized in providing loans with low interest rates and flexible repayment programs.

If you need an expensive car repair or an unpaid bill has turned up, you cheapest loan would be from a friend or family member. You would want to write everything down to include the amount loaned, interest that would be charged (if any) and the dates for repayment, either in a lump sum or smaller payments over a period of time. Do not default on this loan, it would only create bad blood between you and your friendly lender.

Try a Company Loan

You might want to approach your boss, explain your situation, and see if he or she would give you an advance on future pay. Payments could be taken directly out of your paycheck. Or perhaps your company has a credit union. They are usually very lenient when company members ask for a bad credit personal loan.

Try a Cash Advance Loan

Go online and point your browser to: Personal Loan. You will find scores of lenders who can accommodate you with a bad credit personal loan. You will be able to shop around and pick the lender who has the best interest rates and the most comfortable repayment terms. Check each lender before you apply. Use the Better Business Bureau ratings to see how well the company does and how they treat their customers.

Getting one of these loans can happen rather quickly as the online forms are easy to fill out. Before you go shopping for such a loan, gather these credentials to make your application process easier:

* Bona fide picture I.D. - Driving license, military I.D., passport, etc.
* Proof of a bank account - Bank statement or other bank papers.
* Proof of residency - Utility bill with same address as your I.D.
* Proof of employment - Pay stubs or bank statement.

Consumer Credit Rights

Comparing credit is much the same as shopping for all other products and services. Just as you would shop for the best price, with credit you shop for the lowest interest rate.

Very Personal Loans

Following legislations that are restricting growth in the credit industry, many Americans; particularly bad credit people, are finding themselves without credit availability. Instead of getting approval for high interest credit cards and loans, they are instead being totally rejected because of laws that prevent creditors from offering flexible rates based upon whether the borrower is a low or a high risk.

Auto Refinancing Lower Payments

An auto refinancing loan not only offers an easy secured cash loan, it can also save money if you lower payments by reducing interest rates.

Bank Checking Account Interest Plus Credit Approval

Take advantage of earning free money with a bank checking account that rewards interest. A checking account can also help you get approved for credit such as a personal loan.

Balance Transfer Credit Card Rewards

Enjoy the money saving rewards by moving high interest debt from several cards onto one 0 intro balance transfer credit card.

Credit Card Comparison Guide

Choosing a credit card right for you. Review credit card comparisons of balance transfer offers and introductory interest rates plus special rewards like no deposit or gas rebates to help you choose a good or bad credit card.

Higher Loans with Lower Interest Debt

The federal government is expected to further cut interest rates, which could mean bigger secured and unsecured loan amounts as well as higher credit card lines of credit with lower interest debt.

Should I Pay In Full Or Make Monthly Payments?

Tip: Whenever you receive a payment due notice, review the payment options and take time to do the math. For astronomical interest/fee charges, consider reporting it to your State Attorney General along with a copy of the payment statement.

Common Tax Deductions

Do you have enough deductions to itemize instead of just taking the standard deduction allowed? If you are not sure, be prepared with your documentation involving mortgage interest, real estate tax, mortgage insurance premiums, and loan interest and your tax accountant give you the facts.

Save Money Personal Finances

Free software to save money and to protect personal finances from credit card debt, high interest charges and late payment fees.

Auto Loan Interest Rates
National Averages

48 month used auto loan 4.36
48 month new auto loan 3.25
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Home Equity Interest Rates
National Averages

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$30k HELOC           4.59
$50k HELOC          4.24

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Mortgage Interest Rates
National Averages

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15yr fixed               3.03
5/1 ARM                  2.69

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Credit Advice - Remember that; although a divorce decree states who will pay debts, creditors can still hold both spouses liable for repayment. Before your divorce, if you have the ability it may be best for you to payoff debts in full, then get the divorce judge to make your spouse repay you. That way you know there won't be delinquent or defaulted debts that can drag down your credit score, too. If your ex-spouse defaulted on debts that are being reported on your credit report, keep a certified copy of your divorce decree with you and present it to creditors whenever you apply for new credit.

Don't close old or unused accounts. Credit scores are based on several factors, including the length of credit history. The older your credit lines (credit card and loan accounts), the better your score will be. So keep idle accounts open to protect the age of your credit.