Compare two loans
See how different terms and rates change the total cost.
A lower monthly payment isn't always cheaper overall. A longer term usually means smaller monthly payments but more interest paid in total. This tool compares the numbers — the right choice depends on your full picture, which this tool can't see.
Punt provides financial education, not financial advice. For regulated advice, consult an authorised financial advisor or contact MABS (mabs.ie) for free money advice.
€5,000
3 years
9.0%
Monthly payment
€159/ month
Based on the details entered above.
A lower monthly payment isn't always cheaper overall. A longer term usually means smaller monthly payments but more interest paid in total. This tool compares the numbers — the right choice depends on your full picture, which this tool can't see.
Loan A
€159
Loan B
€104
Loan B pays €55 less (34.7% difference)
Loan A
€724
Loan B
€1,227
Loan A pays €503 less (69.5% difference)
Loan A
€5,724
Loan B
€6,227
Loan A pays €503 less (8.8% difference)
This is a comparison of the numbers you entered, not a recommendation.
€5,000
5 years
9.0%
Monthly payment
€104/ month
Based on the details entered above.
€5,000
3 years
9.0%
Monthly payment
€159/ month
Based on the details entered above.
€5,000
5 years
9.0%
Monthly payment
€104/ month
Based on the details entered above.
A lower monthly payment isn't always cheaper overall. A longer term usually means smaller monthly payments but more interest paid in total. This tool compares the numbers — the right choice depends on your full picture, which this tool can't see.
Loan A
€159
Loan B
€104
Loan B pays €55 less (34.7% difference)
Loan A
€724
Loan B
€1,227
Loan A pays €503 less (69.5% difference)
Loan A
€5,724
Loan B
€6,227
Loan A pays €503 less (8.8% difference)
This is a comparison of the numbers you entered, not a recommendation.
€5,000
3 years
9.0%
Monthly payment
€159/ month
Based on the details entered above.
A lower monthly payment isn't always cheaper overall. A longer term usually means smaller monthly payments but more interest paid in total. This tool compares the numbers — the right choice depends on your full picture, which this tool can't see.
Loan A
€159
Loan B
€104
Loan B pays €55 less (34.7% difference)
Loan A
€724
Loan B
€1,227
Loan A pays €503 less (69.5% difference)
Loan A
€5,724
Loan B
€6,227
Loan A pays €503 less (8.8% difference)
This is a comparison of the numbers you entered, not a recommendation.
€5,000
5 years
9.0%
Monthly payment
€104/ month
Based on the details entered above.
A guide, not financial advice. Actual rates and terms vary by lender. Always check the lender's official quote before signing. This is a comparison of the numbers you entered, not a recommendation.