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Loan Prequalification Calculator

Enter your income and debts

$

Before taxes, from all steady sources: pay, self-employment, pensions, alimony received.

$/ mo
$/ mo

Car and student loans, card minimums, child support.

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All monthly debt payments, including the new loan, as a share of gross monthly income. Many lenders cap this somewhere between 35% and 50%.

The new loan

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months
$

Optional. Leave blank to see only the maximum.

For a home loan, where property tax and insurance count too, use the maximum mortgage calculator.

Your prequalification estimate

Maximum loan amount

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Maximum monthly payment

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Payment on the amount you want

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Debt-to-income with that loan

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How the limit is worked out

Gross monthly income–
Debt limit–
Less current debt payments–
Left for the new loan payment–
Debt-to-income today–

An estimate, not an offer. Lenders also weigh your credit score, job history and any collateral.

Maximum loan by debt limit and term

The most you could borrow at your interest rate under different lender limits. A longer term lowers the payment, so the same budget supports a bigger loan.

Debt-to-income limit36 months60 months84 months

Results are estimates for educational purposes and are not financial, tax or legal advice.

Estimate the most you could borrow on a personal, auto or other installment loan, based on your income, your existing debt payments and the debt-to-income limit a lender applies. You can also check whether a specific loan amount fits. Next, open the payment calculator and enter your own details to see an estimate in seconds.