COOL CALC LTD
Theme
Currency
Mode
Amount
0100000
Term
6 mo72 mo
APR
Annual Percentage Rate (APR). Choose amortized or simple.
Fees
One-time fee (flat and/or % of amount)
Payment start
days
Params saved in URL
APR:
—
Due date:
—
Monthly payment:
—
Total to repay:
—
Interest:
—
Fees included:
—
Note: rounding to cents is applied; the last payment is adjusted.
About COOL CALC LTD
COOL CALC LTD is a UK-based fintech company dedicated to making financial tools simple, transparent, and accessible.
We develop smart digital solutions that help individuals and small businesses understand their finances, plan better, and make confident credit decisions.
Our mission is to remove the complexity from borrowing by offering clear, data-driven insights and intuitive online tools.
We don’t sell loans — we empower you to choose wisely, with full understanding of the numbers behind every financial move.
Why choose COOL CALC?
Managing loans shouldn’t be complicated. COOL CALC was built to bring simplicity, accuracy, and peace of mind to borrowers everywhere. Our smart algorithms and clear interface let you explore real repayment scenarios instantly — so you know exactly what to expect before applying.
  • Instant, Accurate Calculations
    No need for manual math or guesswork. Enter your loan details and get a precise repayment breakdown in seconds.
  • Transparent and Honest Costs
    See your total interest, fees, and payment schedule upfront. We believe in clarity, not surprises.
  • Built for Financial Awareness
    Our platform doesn’t just calculate numbers — it helps you understand them, empowering you to borrow responsibly.
Empower yourself through financial knowledge
Financial literacy is the key to making better borrowing decisions. COOL CALC LTD is more than just a calculator — it’s your personal guide to understanding how credit works.
  • Fixed vs. Variable interest rates
    A fixed rate stays the same, giving you predictable payments and easy budgeting.
    A variable rate may start lower but can rise over time with market changes.
    COOL CALC lets you compare both options instantly to find what suits your comfort and goals.
  • How payment frequency affects cost
    The more often you pay, the less interest you owe overall.
    Switching from monthly to bi-weekly payments can shorten your loan and reduce total costs.
    Use COOL CALC to test different payment schedules and see how small changes save money.
  • The role of your credit score
    Your credit score shows lenders how reliable you are.
    Higher scores mean easier approvals and lower interest rates.
    We help you understand what impacts your score — and how to improve it before applying.
  • Practical debt & budget tips
    Track spending, cut unnecessary costs, and focus on paying off high-interest debts first.
    Even small steps can bring big progress toward financial stability.
    COOL CALC helps visualize your repayment and stay in control of your money.
Your Data.
Your Privacy.
Your Peace of Mind.
We know that financial information is personal and sensitive — that’s why COOL CALC prioritizes your security at every level.
Our system uses advanced encryption, secure data storage, and strict privacy protocols to ensure your information is always safe and never shared with unauthorized parties.
We comply with international data protection standards (including GDPR) and continuously update our systems to stay ahead of potential risks.
With COOL CALC, you can calculate and explore your options in total confidence, knowing your data is treated with the highest respect.
Get in touch with COOL CALC LTD
Have questions about our calculator, partnership opportunities, or responsible lending?
We’re here to help. Reach out to our team — we’ll respond as quickly as possible.
Director: Alan Mcculloch
Email: admin@cool-calc-ltd.com
Address: Flat 1/1 167 Middleton Street, Alexandria, G83 0DH, Scotland
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