Personal Loan Calculator

See exactly what you'll pay before you borrow a single dollar. 
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This calculator shows you exactly what your personal loan payments will look like at CCCU.

Enter your loan amount, term, and rate to find your perfect balance between monthly payments and total cost.

Personal Loan Fundamentals

What should I know before using this calculator?

Enter the full amount you need to borrow for your goals—whether paying off debt, renovating your home, or funding a major expense. The calculator will show you monthly payments based on different terms and rates.

Why choose a personal loan over a credit card?

Simple math: lower rates, fixed payments, definite end date. Personal loans typically charge half the interest of credit cards and give you a clear path to being debt-free, saving you thousands over time.

How fast can I get my money?

Most personal loans fund within 1-3 business days after approval, with same-day funding available for many existing members. When life doesn't wait, neither do we.

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Straightforward Funding for What’s Next

At City & County Credit Union, we design personal loans for the life you actually live.

  • Rates as low as 9.99% APR*
  • Borrow what you need
  • Flexible terms from 12-60 months
  • Zero prepayment penalties
VIEW RATES
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Turn Your Estimate Into Action

You’ve run the numbers. Now take the next step with support that makes borrowing simple.

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*APR = Annual Percentage Rate. Personal loan rate effective as of 4/1/2025 and subject to change. Actual rate based on  applicant’s credit qualifications and loan terms. Additional discounts do not apply. The monthly payment per $1,000 borrowed for 36 months for personal loans at 9.99% APR is $32.26. Loans may not be used to refinance an existing obligation with CCCU. Offer subject to  change without notice. Ask a credit union representative for complete details.