Scenario A
Scenario B
Scenario A — monthly payment
$0
Total repayment: $0
Scenario B — monthly payment
$0
Total repayment: $0
Hypothetical estimates for illustration only. Actual APR, fees and terms depend on the provider and your eligibility.
How to use this comparison
Try entering the same amount and APR in both scenarios, but change only the term — you'll typically see Scenario B's monthly payment drop, while its total repayment rises. That trade-off is worth making deliberately, based on what you can comfortably afford each month versus the total cost over time.
Check your real options
See what terms a participating provider may actually offer, based on your situation.