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How do I compare loans? Our loans search tool uses information about your income and requirements to find personal loan quotes from our leading panel of lenders. If you’re a homeowner, it can also show you secured loan deals. 2021-01-05 · How to use this personal loan calculator. Follow these steps to calculate the monthly payment and total cost of a personal loan: Enter your loan amount. Enter the amount you want to borrow. Personal loans typically range from $2,000 to $50,000 — though some providers offer loans as low as $1,000 and as high as $100,000.