See what your loan could cost.
Adjust the sliders to see indicative monthly payments and total cost. All figures are illustrative — actual rates confirmed at the point of application.
- Instant indicative figures for £100–£5,000 over 1–24 months
- See monthly payment, total repayable and total interest at a glance
- No credit search — checking your quote has no impact on your score
What will it cost?
Move the sliders for an instant indicative quote — your tier is matched automatically by amount.
Illustrative only. Figures are based on indicative rates for each tier and may change. Actual monthly payment, total repayable and APR are confirmed in your personalised offer after launch. Subject to individual affordability assessment and status. 18+ UK residents only.
See every repayment
Set an amount and term in the calculator above, then reveal the month-by-month breakdown — exactly what comes off the balance each time, with nothing hidden.
| Month | Payment | Interest | Principal | Balance |
|---|
Illustrative amortisation at indicative tier rates. Your actual schedule is confirmed in your agreement. Repay early at any time and you only pay interest for the days you held the loan.
Can I afford it? A quick check
The calculator above shows what a loan would cost. This shows whether it would sit comfortably in your budget. Nothing you enter is saved or sent — it stays in your browser.
A guide only, not a lending decision. We always run our own full affordability assessment before any offer. Only borrow what you need and can comfortably repay.
What does each figure mean?
Monthly payment
The amount that will leave your account on your chosen repayment date each month. With Cash Train this is fixed — it never changes after signing.
Total repayable
The complete amount you pay back across all months — your loan amount plus all interest. This is the number to focus on when comparing options.
Total interest
The cost of borrowing — total repayable minus the loan amount. On a fixed-rate loan, this is set at the start and can't increase.
Annual Percentage Rate (APR)
A standardised way to compare borrowing costs. It includes interest and any fees, expressed as a yearly rate. Because short-term loans are short, APR looks high even when the actual cash cost is modest.
Which tier is right for me?
One application — we'll recommend the right tier based on your needs and affordability. You don't need to choose in advance.
Quick
A small, short-term gap — unexpected bill, brief income shortfall
Flex
A mid-range emergency with structured monthly repayments
Plus
A larger cost spread over a longer, more comfortable term
Calculator FAQ
Like what you see?
Apply online and get a decision in minutes — fixed monthly payments, no hidden fees.