Bears LendingBears Lending loan calculator: payment, interest and the full schedule
Set the amount, term and APR. You get the monthly payment, total cost, every payment in the schedule, and the same loan priced three ways. Nothing is saved and no credit check runs.
Every number, before you sign
Move the sliders to see your monthly payment, total interest and full cost of an installment or personal loan. Nothing is saved and no credit check runs.
Typical Bears Lending APRs: personal loans 17.99%–35.99%, bad credit loans 59%–99%, installment loans 89%–149% depending on state and term.
Every payment, month by month
Updates as you move the sliders above. Interest is charged on the remaining balance, so each payment shifts a little more toward principal.
| Month | Payment | Interest | Principal | Balance after |
|---|
What the amount above costs as each loan type
Representative APRs for a 12-month term. Which one you qualify for depends on credit band and state — the soft pre-qualification tells you in minutes.
| Loan | Representative APR | Monthly (12 mo) | Total interest | Who it fits |
|---|
Personal loans require a credit score of about 600+. Bad credit and installment loans are approved on income with a soft inquiry. Payday, title and pawn loans use a flat period charge and aren't amortized — see their pages for cost tables.
Calculator questions
Is this an offer of credit?
No. It's an estimate. Your actual APR is set after review of your application and disclosed in writing before you sign.
Which loans does the calculator cover?
Loans repaid monthly: installment, bad credit, personal and debt consolidation. Payday, title and pawn loans use a flat charge per period; their cost tables are on their own pages.
Why does paying early save money?
Interest accrues on the remaining balance each month. Paying off early stops it, and there is no prepayment penalty on any Bears Lending loan.
How do I know which APR to use?
Pick the loan type button above for a representative rate, or pre-qualify with a soft inquiry to see your exact APR with no effect on your score.