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No credit impact

Check my rate
Income-Based Loan Calculator

Your income qualifies you for more than you think.

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Join over 46 million people who received offers

Excellent
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Most people don't know lenders will approve up to 40% of annual income as total debt. Enter your income below and find out your number — free, instant, no credit check.

Most people don't know lenders will approve up to 40% of your annual income as total debt.

Enter your income to get your number — free, instant, no credit check.

Annual gross income (before taxes)

$

What type of income do you have?

Employed Full-time
  • Employed
  • Employed Full-time
  • Employed Part-time
  • Military
  • Not employed
  • Self-Employed
  • Retired
  • Other
Bi-Weekly
  • Weekly
  • Bi-Weekly
  • Semi-Monthly
  • Monthly
1-2 years
  • Less than 1 year
  • 1-2 years
  • 3-5 years
  • 5+ years

How long do you want to repay?

60 months

Let’s take a look at your estimated loan amount.

Est. monthly payment

$682 / mo

Est. income-based loan amount

$30,000

Est. starting rate

12.99

Are you ready to see your personalized rate?

Check my rate with no credit impact
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1
Confirm info
2
View offers
3
Get funded

Over $502 million in loans have been funded for people with income profiles similar to yours.

This result meets the basic criteria for income-based qualification:

15.0%
% of monthly income
0.40x
Loan to income ratio
Full Time
Employment status
1-2 years
Time at current job

As seen in

medium logonerdwallet logothe street logoeconomic insider logotech times logoapple new logobusiness insider logoyahoo finance logoassociated press logointernational business logodigital journal logoreuters logotph logo
medium logonerdwallet logothe street logoeconomic insider logotech times logoapple new logobusiness insider logoyahoo finance logoassociated press logointernational business logodigital journal logoreuters logotph logo

Don't take it from us. Our clients say it best.

Don't take it from us. Clients say it best.

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trustpilot rating
  • Total customer inquiries in 2025275M+
  • Loan offers through platform350M+
  • Total credit products in 2025$2.3B+

Pennie was awesome. I had a phone call to verify my income and they mapped out a plan and explained everything to me.

Michael O.
$36Kloan amount received

Fast and easy. I was able to payoff a really high interest loan with the loan I received through Pennie. Very pleased!

Alex D.
$28Kloan amount received

Online application was straight forward. Loan offers came quickly. They walked me through my multiple offers personally.

Jerry W.
$85Kloan amount received

I had a quick need. I was able to get offers instantly through pennie and was funded in under 48h. Gave me flexibility pick my payments terms and date.

Jamie B.
$17Kloan amount received

The web site was super easy and took us step by step. If we can do it, any one can. Thanks for the speedy, easy process.

Zoe A.
$56Kloan amount received

Extremely fast and easy. I was traveling while going through my application process and the entire process was smooth. I got immediate approval.

Logan F.
$39Kloan amount received
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No credit impact
This calculator provides an income-based estimate only and does not constitute a loan offer, pre-approval, or guarantee of credit. Actual loan amounts, rates, and terms depend on a full credit review, income verification, debt obligations, and lender-specific criteria. Estimated figures may vary significantly from a final offer. No credit inquiry is initiated by using this tool.