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Free Personal Loan Calculator · Kashf by Axiom Zones

Personal Loan True Cost Analyzer
True Cost Revealed

The most comprehensive personal loan analyzer for the Arab world. See true IRR, hidden fees, and Islamic alternatives.

محلل القروض الشخصية

المحلل الأشمل للقروض الشخصية في العالم العربي — IRR حقيقي وبدائل إسلامية

Advertised APR
6%
True IRR
Beauty Score
Monthly Payment
Total You Pay
Total Interest
How It Works

Why Your Personal Loan Costs More Than You Think

📊 APR vs IRR

Banks advertise APR calculated on the original balance. IRR calculates the true cost accounting for balance reduction. The gap is always significant.

🎭 Beautification Score

Our proprietary metric (0-100) measures how much the bank hides. Score 70+ means significant hidden costs you were not told about.

💰 Hidden Fees

Administrative fees, insurance, and service charges are often added to the loan and accrue interest — increasing the true cost silently.

☪️ Islamic Alternative

Murabaha financing from Islamic banks is often competitively priced or cheaper. Always compare before signing any contract.

FAQ

Common Questions

Full Analysis on Kashf

Compare multiple banks, Islamic alternatives, refinancing options and more