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Loan EMI Calculator

Estimate your monthly payments, total interest and overall cost before you apply. Adjust amount, rate and tenure in real time.

This is an estimate only. Final rates and terms depend on your credit assessment and product selected.

Monthly EMI₦97,000
Total Interest₦328,000
Total Payment₦2,328,000

Understanding your numbers

A few tips to help you plan better

1

Start with what you can afford

Choose an EMI that fits comfortably within your monthly cash flow, ideally under 30–40% of take-home income.

2

Compare total cost

A lower rate over a longer period can still cost more in interest. Always look at total payment, not just EMI.

3

Speak to an advisor

Our team can help structure a facility that matches your income pattern, especially for business loans.