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How Long to
Pay Off My Loan
Picture the month your loan payment is gone for good.
Use this calculator to see how long it will take to pay off your loan, and how a little extra each month could move up your payoff date.
Loan Payoff FAQs
What should I know before using this calculator?
This calculator estimates how long it will take to pay off your loan based on your current balance, interest rate, and monthly payment. For the most accurate results, pull your numbers from your latest loan statement and use the payment you actually plan to make.
Can I pay off my loan early?
You can pay off a City & County personal loan or mortgage early with zero prepayment penalties. Every extra dollar you put toward your loan gets you a little closer to the day that payment leaves your budget.
What’s the easiest way to pay a little extra each month?
The easiest way to pay extra on your loan is to set up automatic transfers from your CCCU checking or savings account. It’s free, it happens on its own, and you can schedule it right in the mobile app or online banking.
Lower Rates. Local Decisions. Zero Penalties.
At City & County Credit Union, our loans are built to help you get to that last payment sooner:
- Zero prepayment penalties on personal loans
- 0.25% APR discount with autopay from your CCCU account
- Debt consolidation to roll multiple payments into one
- Local decisions from Minnesota lending experts
Make Your Next Payment Count
Whether you’re paying down what you have or combining it into one loan, our team can help you find the fastest way to your last payment.