Loan Simulation: Understand the Real Cost of Your Credit Before You Sign
Planning a personal loan or a mortgage in 2026? Use loan simulation to clearly estimate your monthly repayments, Annual Percentage Rate (APR) and the total interest you will pay over the full term of your contract – before you commit to anything.
With a transparent and detailed loan simulation, you stay in control of your budget, compare different options and choose the financing that really fits your project and your financial situation.
Get your free simulation for Loan SimulationSimulate your loan with full transparency
See the impact of loan amount, interest rate and duration on your monthly instalments and total loan cost. Use these insights to prepare your application and discuss confidently with your advisor.
- Estimate your monthly instalments
- Understand your APR and total interest
- Compare different durations and budgets
Why Loan Simulation Is Essential Before Applying for Credit
Whether you are considering a consumer loan or a mortgage, loan simulation is a key step in planning your project. By simulating your credit, you immediately see the amount of your future monthly instalments, the APR applied to your file and the total interest paid until maturity. You therefore know in advance the total cost of your loan and can check whether it fits your budget.
This transparent approach allows you to compare several borrowing scenarios: higher or lower amounts, shorter or longer durations, and different types of loans depending on the nature of your project. You can adjust your choices until you find the credit that offers the right balance between monthly affordability and total cost over time.
Transparency in credit is at the heart of our way of working. By understanding each component of your loan before signing – monthly instalments, APR, duration and guarantees – you avoid unpleasant surprises and sign your credit contract with full peace of mind.
How to Use Loan Simulation to Prepare Your Project
Start by defining the type of project you want to finance: buying a new car, carrying out renovation work, purchasing a property, or obtaining cash quickly. The interest rate applied will depend on the nature of your project and the guarantees that can be offered to the bank. For example, buying a building generally provides stronger guarantees than a request for cash to pay outstanding bills or to finance a holiday.
Next, choose the amount you wish to borrow and the desired duration. By adjusting these two parameters, you immediately see how your monthly instalment changes. If the calculated instalment seems too high or too low, you can adapt either the repayment term or the loan amount. In this way, you build a tailor‑made solution that respects your financial constraints.
Once you have found a configuration that suits you, you have a clear view of what you are committing to: you know your monthly instalment, your APR, the total interest paid and therefore the total cost of your loan over the entire duration. This gives you a solid basis for preparing your file and, later, discussing details with your advisor before signing your contract.
The Advantages of a Clear and Detailed Loan Simulation
Full Transparency
Your loan simulation shows the APR, the amount of each monthly instalment, the total interest to be paid until maturity and therefore the full cost of your credit. These elements are required by consumer credit regulations and allow you to compare offers in a clear and objective way.
You remain in control at every stage: no hidden costs, no surprises, just a complete view of your future financial commitment before you apply.
A Loan Tailored to Your Budget
If the initial simulation gives you a monthly instalment that is too high for your budget, you can lengthen the duration or lower the borrowed amount. Conversely, if the instalment is very comfortable, you might shorten the duration to reduce the total interest paid.
By adjusting these parameters, you design the credit that best suits your situation and your projects, whether your priority is a lower monthly instalment or a shorter repayment period.
Informed Decision‑Making
Thanks to clear figures and an easy‑to‑understand simulation, you can calmly compare different types of credit and choose the formula that genuinely supports your long‑term plans. You know exactly what you will repay and over what period before you sign anything.
You can then meet your advisor with a precise idea of your needs, ask all your remaining questions and finalise your contract with confidence.
Certain information provided in your loan simulation, such as the APR and the total cost of the credit, is also framed by consumer credit legislation. For more details on your rights and obligations as a borrower, you can consult the official documentation available on the website of your national consumer protection authority or on the FPS Economy website.
A simulation does not constitute a binding offer: your contract will only be final after a complete analysis of your file and the physical signing of the credit agreement with your advisor.
Ready to Move from Simulation to Application?
Once you have identified the loan configuration that suits you, you can submit your online request in just a few steps. Your online application remains non‑binding: you will only be committed after meeting one of our advisors in person in our offices and signing your credit contract. This meeting is the ideal opportunity to ask all your questions and clarify the last details before making your decision.
Use loan simulation as a preparation tool, then take the next step by sending your application online to receive a personalised response based on your profile and your project.
Get your free simulation pour Loan Simulation