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10k Personal Loans: Find the Best Interest Rates

Explore your financing options with our easy-to-use $10,000 personal loan calculator. Discover affordable monthly payments, compare top lenders, and take the first step towards making your big purchase. Start calculating now!

Personal Loans Calculator

Loan amount


Term in months


Interest rate per year



Monthly payment


Total paid


Interest paid

Month Balance Interest Principal
1 $10000.00 $37.50 $816.29
2 $9183.71 $34.44 $819.35
3 $8364.37 $31.37 $822.42
4 $7541.95 $28.28 $825.50
5 $6716.45 $25.19 $828.60
6 $5887.85 $22.08 $831.71
7 $5056.14 $18.96 $834.82
8 $4221.32 $15.83 $837.96
9 $3383.36 $12.69 $841.10
10 $2542.26 $9.53 $844.25
11 $1698.01 $6.37 $847.42
12 $850.60 $3.19 $850.60

An average $10,000 personal loan with an APR of 4.5% could be split into 60 monthly payments of $186.43.
The Total Interest you would pay during this time would be $1,185.81

We have found 11 Lenders that can fit the personal loan you are looking for.

We welcome you to compare the top lenders and find the one that suits you best or try entering other parameters in the calculator below.

What You Can Use 10k A Loan For

There are many expenses you can use a 10k loan for. Loans of this size can help support your efforts toward small financial goals. One of the more efficient goals is to reduce the money you spend on credit card interest.

Monthly payments for $10,000 Loans

Term in months APR Estimated monthly payment*
24 5.5% $440.96
36 5.5% $301.96
72 5.5 $163.38
24 10% $461.45
36 10% $322.67
72 10% $185.26

* The monthly payment is based on the calculator formula and is not related to a specific provider

Use $10,000 To Refinance Credit Cards
Credit card refinancing is the other name given to a credit card debt consolidation loan. It’s a specific kind of loan meant to enable you to pay all your credit cards off. The best credit card refinances loans can save you time and money, as you’ll repay in a cheaper monthly installment.

One way to use a $10k loan is to refinance your credit cards. Credit card debt is notoriously expensive to incur. With interest rates that often hover around 19.99%, most people do their best to avoid missing payments.

With a single $10k loan, you can often pay off all your credit cards at once. That means, in the end, you can pay a lot less in interest. If your credit score is average or higher, you can often end up cutting your potential credit card debt substantially. If you have several credit cards and owe thousands, this may be a good alternative to facing mounting credit card debt.

Compare top 10K Loan Lenders

  • Fixed APR: 7.49 - 35.99%
  • Loan Term: 12-84 months
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  • APR: 8.99-25.81%
  • Loan Term: 24-84 months
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  • APR: 5.99-35.99%
  • Loan Term: 3-72 months
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