Your credit score is the single biggest lever on what you pay to borrow. A few dozen points can mean the difference between a manageable payment and a punishing one, because lenders price loans by the risk they think you represent. This calculator turns your **score band** into an estimated **APR**, then shows the monthly payment, total interest and total cost for a loan — and lines up all five tiers so you can see exactly what a higher score is worth. (Rates shown are illustrative averages for a typical unsecured personal loan.)