Berechnen Sie monatliche Zahlungen und Gesamtzinsen für jeden Kredit — Auto, Privat oder Studium.
Every loan payment you make is split between principal (paying down what you borrowed) and interest (the cost of borrowing). Early in the loan, most of your payment goes toward interest. Over time, more goes toward principal — this is called amortization.
Autokredit rates typically range from 5–12% depending on your credit score. Privatkredits range from 6–36%. Studienkredit rates vary by loan type. The better your credit score, the lower your rate — improving your score by even 50 points can save you thousands.
A shorter loan term means higher monthly payments but significantly less gesamt interest paid. For example, a $25,000 loan at 7.5% costs $501/month over 5 years ($5,060 interest) vs $388/month over 7 years ($7,569 interest). The 5-year option saves $2,509 in interest.
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