Guides
Three questions decide most of what a loan actually costs you, and none of them get a clear answer on a bank's website. Each guide below works through one of them, and ends in the calculator with the numbers already filled in.
Shorten the term or lower the payment?
The same extra payment can end your loan years earlier or cut your monthly instalment. One saves far more interest. Here is which, and by how much.
Read the guideIs early repayment worth it if your bank charges a fee?
EU law caps early repayment compensation, and the interest you avoid is usually far larger. Here is how to work out whether it is worth it on your loan.
Read the guideWhy the APRC differs from the interest rate in your contract
The APRC is not your nominal rate multiplied out. It is the figure lenders are legally required to publish, and the only one on which two offers compare fairly.
Read the guide
These guides are information, not financial advice. Your own contract governs the day-count convention, the fees and the early repayment terms, and those vary between lenders and countries. Check any figure against your contract before acting on it. GetRateo.