Live illustrative calculator
Does a new rate
change the picture?
Compare modeled payments and total cost for an existing loan and a new term, including an illustrative upfront fee.
Run the calculator
Refinance lens
Compare the rate
and the term.
A lower payment is not automatically a lower total cost. Change both the APR and term before you decide what matters.
Refinance illustrationBrowser only
Current payment$474.00Modeled monthly
New payment$410.00Including modeled fee
Monthly difference$64.00Absolute difference
Modeled total change$3,000Positive means lower cost
Under these assumptions, the new modeled total is lower after the upfront fee.
Estimate only. Confirm payoff amounts, new fees, prepayment rules, eligibility, and the actual agreement with the provider.
Keep the context