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Advanced Loan Tools

Calculate every angle — before you borrow.

Four powerful calculators: standard costs, early repayment savings, extra payment impact, and side-by-side loan comparison. All free, all instant.

Loan Details
Adjust the sliders to see your exact costs update in real time.
$800
borrowed
$112.00
total fee
$300$1,500
14
days
Due Apr 18, 2026
7 days62 days
LendX vs. Other Options
How short-term loans stack up against common alternatives.
OptionSpeedCredit CheckTransparency
★ LendX ✓ Same day Soft only ✓ Full
Bank Overdraft✓ InstantN/A~ Partial
Credit Card Cash✓ InstantExisting~ Partial
Traditional Payday✓ Same dayVaries✗ Limited
Bank Personal Loan✗ Days/WeeksHard pull✓ Full
Repayment Summary
What you'll repay and when.
Your Loan Summary
Total Repayment
$912.00
Due Apr 18, 2026
Loan Amount$800.00
Borrowing Fee$112.00
Fee Rate$14 per $100
Term14 days
ProvinceOntario
Fee as % of total repayment
Principal 12% fee
Annual Percentage Rate (APR)
365.96%
High APR reflects the short term, not unusually high dollar cost. See total fee above for actual cost.
Affordability Check
Apply Now — No Credit Impact
Soft credit check only. Licence pending under Ontario's Payday Loans Act, 2008.
Early Repayment Calculator
See how much interest you save by repaying a personal or instalment loan before its scheduled end date.
$
LendX personal loans: 9.9%–29.9% APR
Enter 0 if you haven't started repaying yet
The month at which you make the lump-sum early repayment
LendX charges 0%. Check your agreement for other lenders.
Amortization Snapshot
Key milestones in your repayment journey.
Full Amortization Schedule
Principal, interest, and balance every month.
Early Repayment Summary
Interest Saved
$0.00
vs. paying to full term
Payoff Amount$0.00
Balance at Early Month$0.00
Penalty Fee$0.00
Interest to Early Date$0.00
Total Interest (full term)$0.00
Months Saved0
Monthly Payment$0.00
Interest saved vs. total interest
Interest paid 50% saved
Apply — No Prepayment Penalty
LendX charges zero early repayment penalty on all loans.
Extra Payment Calculator
Discover how adding extra monthly, annual, or one-time payments slashes interest and shortens your loan.
$
Extra Payment Options
Add any combination — all three stack together.
$
Added to every regular monthly payment
$
Lump sum paid once a year (e.g. tax refund)
$
Impact at a Glance
Standard schedule vs. with your extra payments.
Interest paid0%
Amortization Schedule — With Extra Payments
Months where extra payments apply are highlighted.
Extra Payment Impact
Total Interest Saved
$0.00
by making extra payments
Regular Payment$0.00
Avg Payment w/ Extras$0.00
Payoff — Standard0 months
Payoff — With Extras0 months
Time Saved0 months
Interest — Standard$0.00
Interest — With Extras$0.00
Interest reduction
Original 0% saved
Apply Now — Free Extra Payments
LendX charges no fees for extra or early payments on any loan product.
Loan A
Enter details for the first loan option.
$
$
One-time upfront fee, if any
Loan B
Enter details for the second loan option.
$
$
Full Side-by-Side Breakdown
All key metrics compared. Green = better value.
Loan A — Amortization
Loan B — Amortization
Calculator FAQ
Answers to common questions about loan costs and calculations.
How does early repayment save money?
Interest accrues on your outstanding balance each month. The sooner you reduce that balance to zero, the fewer months of interest you pay. Even paying a few months early on a medium-term loan can save hundreds of dollars.
Does LendX charge prepayment penalties?
No — LendX charges zero penalties for early or extra payments on all loan products. Many traditional lenders charge 1–3% of the outstanding balance, so always check before repaying early.
How are extra payments applied?
Extra payments are applied directly to your principal balance, not future interest. This accelerates payoff and reduces the total interest you pay. LendX allows unlimited extra payments at no charge.
Why is APR so high for short-term loans?
APR is annualized. A $14/$100 fee for 14 days extrapolates to ~365% APR — but the actual dollar cost is just $112 on an $800 loan. APR is a useful comparison tool but must be interpreted in context of the loan term.
What's the difference between APR and interest rate?
The interest rate is the base cost of borrowing. APR (Annual Percentage Rate) includes all fees — origination fees, administration fees — giving a fuller picture of total cost. Always compare APR when shopping loans.
Are these calculators accurate for my LendX loan?
These tools use standard amortization and payday loan formulas. Your actual loan agreement will govern exact amounts. Apply to get a precise, personalized offer with guaranteed rates — no credit impact to check.
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