Personal loans can be a very useful part of your financial planning, particularly if you want to treat yourself to something special like a car or the holiday of a lifetime.

But before you take one out you should carefully compare loans and, using our loan calculator, make sure you can afford the repayments. Interest rates vary quite widely and you should be looking to get as cost-effective a personal loan as you possibly can.

A recent innovation to personal loans is flexible loans, which allow you to vary your payments each month and pay off the loan early without penalty. These are good news for people with fluctuating incomes, although the interest rate is usually determined by your credit rating.

You can think of flexible loans as being like a credit card, but with generally higher credit limits available on them. The interest rate charged on flexible loans differs from customer to customer, depending on how they rate on credit scoring systems.

Our easy-to-use loan repayment calculator can help you to make sure you can afford a personal loan. The trick to bagging yourself the best loan hinges upon two basic questions - how much do you want and how quickly can you repay it?

Use our loan repayment calculator to work out how much you will be paying back each month and remember – our loan calculator can’t check the small print for you, so make sure you do!

Whether you are looking for a cheap car loan or the best personal loan or would simply like to restructure an existing loan, our loan calculators and loan repayment calculators are essential tools. Choose from Property Price Predictor, Loan Repayment Calculator, Flexible Mortgages, Savings, Life Insurance, Create Investment Portfolio and Tax Calculator. Flexible loans have at last come to the lower value medium term borrower, bringing real benefits to people with fluctuating income.