Loan Calculator – Take your monthly payments under control

The Loan Calculator can help you find the right loan offer for you in just 5 minutes.

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Show repayment plan

Find a loan most suitable for you

*Representative example: Estimated repayments of a loan of R30,000 over 36 months at a maximum interest rate including fees of 27,5% APR would be R1,232.82 per month. Arcadia Finance is an online loan broker and not a lender. Our service is free, and we work with NCR licensed lenders in South Africa. Interest rates charged by lenders can start as low as 20% APR, including an initiation and service fee determined by the lender. The interest rate offered depends on the applicants' credit score and other factors at the lender's discretion.

Loan amount R100 - R250,000. Repayment terms can range from 3 - 72 months. Minimum APR is 5% and maximum APR is 60%.

This will bring out all the necessary calculations, which can be very useful when applying for a loan. If you want to borrow money from a bank or a financial institution, it is always necessary to meet the lenders’ loan terms first. Arcadia Finance’s loan calculator is a good tool for finding the best offer. This will help you get a better idea of the total cost of the loan.

You can easily do calculations and see how much you can borrow. Here you can find a personal loan calculator, as well as a consolidation and vehicle finance calculator.

The main purpose of this tool is to give the loan applicant the opportunity to compare loan offers from different lenders in order to find the most suitable solution.

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Loan Calculator Arcadia Finance

Loan Repayment Calculator

The following can be calculated:

  • Monthly loan repayment amount
  • Total loan amount
  • Loan period

Calculate Your Monthly Payments

Also taking into consideration the following data, you can easily view your monthly loan payments:

  • Total payments
  • Total interest amount
  • Total service fees
  • Total loan cost

Before starting to apply for a loan, we advise our clients to do a proper preliminary work to eliminate the debt risk.

Obtain your loan with ease with Arcadia Finance. Applying is free, and you have the choice of 10 reputable lenders. Each lender complies with the regulations set by the National Credit Regulator in South Africa.

Loan Calculator South Africa

Arcadia Finance offers a loan calculator service that is easy to use. First, enter the loan amount, loan period, and choose what exactly you want to calculate. After providing personal data, such as an email address and phone number, you can fill out a loan application.

Please note that all the numbers indicated in the system are an illustrative example. Although your initial choice may also be based on these calculations.

In addition, keep in mind that the interest rate offered depends on the credit score of applicants and other factors.

Frequently Asked Questions

What can the loan calculator help me with?

The loan calculator helps you estimate your monthly repayments based on factors such as loan amount, term, and interest rate. It gives you a clear picture of the total cost of the loan, including interest and any applicable fees.

How accurate are the loan calculations?

The loan calculator provides estimates based on the data you input, such as loan amount, term, and interest rate. While it’s a useful tool for planning, remember that actual loan terms may vary based on lender conditions, additional fees, or changes in interest rates​.

Can I include extra payments or early repayment in the calculation?

Yes, the loan calculator allows you to see how additional payments or early repayments will affect your loan. It helps you understand how paying more than the minimum can reduce the interest paid and shorten the loan term​.

What types of loans can I calculate with this tool?

The calculator is flexible and can be used for different types of loans, including personal loans, vehicle loans, and consolidation loans. You can adjust the loan parameters to suit the type of loan you’re considering​.

Does the loan calculator consider all fees and charges?

Some fees, such as origination or service fees, may not always be included in the basic calculator output. It’s important to review all terms with the lender to get a full understanding of any additional costs associated with the loan​.