Calculate your monthly payments and total loan costs for your dream pool
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| Click "Show Schedule" to view payment details | ||||
What you can expect to pay each month. A longer term can lower your monthly payments but increase the total interest.
The amount you will pay to a lender in interest based on the loan's rate and term.
The amount of money you'll have repaid at the end of the loan. This number depends on the amount you borrow and your interest rate.
The month and year you're expected to make the final loan payment.
When you finance with a personal loan, your annual percentage rate can be anywhere from 6% to 36%, and some lenders will finance up to $100,000 over a two- to 12-year repayment term.
Your credit score is an important factor lenders consider when they decide your loan amount and rate. Lenders also review your income and existing debt when you apply for a loan.
| Borrower Credit Rating | Score Range | Estimated APR |
|---|---|---|
| Excellent | 720-850 | 12.74% |
| Good | 690-719 | 16.61% |
| Fair | 630-689 | 19.92% |
| Bad | 300-629 | 21.64% |
Source: Average rates are based on aggregate, anonymized offer data from users who pre-qualified through NerdWallet from Feb. 1, 2025, through Feb. 28, 2025. Rates are estimates only and not specific to any lender. The lowest credit scores — usually below 500 — are unlikely to qualify. Information in this table applies only to lenders with maximum APRs below 36%.
Here are two pool loan examples. The loan amount, repayment term and APR you input will give you different monthly payments and total amount repaid.