Consumer Credit & Personal Loans Pure Edge Computation

Unsecured Personal Loan APR, Origination Fee & DTI Calculator

Model unsecured personal loan economics for debt consolidation and liquidity. Calculate upfront origination deductions, effective true borrowing APRs, and underwriting DTI limits.

Formula: Net Proceeds = Loan Amount - Origination Fee; Monthly Payment = Amortization(Loan Amount, Nominal Rate, Term)

Model Parameters

Requested Gross Loan Amount ($)

Gross principal loan amount before origination fees are deducted.

Nominal Note Interest Rate

Stated interest rate quoted by personal loan lender.

Repayment Term

months

Loan amortization duration (commonly 24, 36, 48, or 60 months).

Lender Origination Fee

Upfront administrative fee deducted from loan proceeds (typically 1% to 8%).

Annual Gross Borrower Income ($)

Gross annual earnings used to calculate debt-to-income underwriting ratios.

Existing Monthly Debt Service ($/mo)

Total current monthly obligations (auto loans, student loans, credit card minimums).

Outputs & Underwriting Summary

Calculation Status

UNDERWRITING APPROVED (DTI <= 36%)

Verified Model

Monthly Debt Service

$800.82 / mo

Nominal Note Rate: 9.5% | 36 Months Amortization

Effective Truth-in-Lending APR

12.83% APR

Origination Fee: $1250.00 (5.0%) | Total Cost: $5079.52

Net Disbursed Cash & Underwriting DTI Ratio

$23750.00 net proceeds

Post-Loan DTI: 25.6% (from 12.8%) | Status: UNDERWRITING APPROVED (DTI <= 36%) | Principal: $25000.00

Borrowing $25,000.00 at a 9.5% nominal rate with a 5.0% origination fee ($1,250.00) results in $23,750.00 in net disbursed proceeds. Monthly debt service is $800.82/mo over 36 months (Effective APR: 12.83%). Post-loan Debt-to-Income (DTI) ratio is 25.6% against $6,250.00/mo gross household earnings.

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