Get a rough estimate of how much you could borrow based on standard lender criteria. No credit check — purely educational.
Your Financial Profile
Estimated Loan Range
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Debt-to-Income Ratio
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Est. Monthly Payment
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Indicative Rate
DTI Breakdown
Lenders look at how much of your monthly income already goes to debt. Below 36% is ideal.
Current debts
With new loan
🟢 Ideal: <28%🟡 Acceptable: 28–36%🔴 High: >36%
Affordability Tiers
Estimated range across different lender types based on your profile.
Factors Affecting Your Eligibility
📋 Saved Calculations
⚠ This is an educational estimate only. Actual loan decisions depend on full credit checks, lender criteria, and documentation. Always consult a qualified financial advisor before making borrowing decisions.
Lenders typically look at your debt-to-income (DTI) ratio — most require total monthly debts to be under 43% of gross monthly income. Credit score, employment status, and loan-to-value ratio also heavily influence approval and interest rates.
What credit score do I need for a loan?
Generally: 750+ excellent (best rates), 700–749 good, 650–699 fair (higher rates likely), 600–649 poor (limited options), below 600 very difficult. Secured loans like mortgages have different thresholds to unsecured personal loans.
Does checking my eligibility affect my credit score?
This tool is a purely local estimate — it doesn't contact any lender or credit bureau, so there is zero impact on your credit score. Only formal applications with lenders trigger hard credit searches that temporarily affect your score.