Your credit score
doesn’t know you.
Riki does.
Explore loans based on your cash flow—and what you can afford.
Explore My OptionsWhat can your cash flow do?
Try this monthly exampleEnter whole-dollar amounts from $0 to $1,000,000.
After spending and your cushion. Before a new loan payment.
Full cash-flow calculatorSee what a loan could cost.
Illustrative loans · not offersAdjust the loan example
Enter $1–$1,000,000, 1–360 whole months, and 0–100% APR. These are calculator limits, not lending limits.
- Monthly payment
- $249.62
- Total interest
- $990.89
- Total repayment
- $5,990.89
- Left after this payment
- $650
Based on the monthly cash flow above.
Examples assume a fixed 18% APR and no fees; 18% is an illustration, not an industry average or a Riki rate. Payments are rounded; the final payment may differ. Actual amounts, rates, fees and eligibility depend on the lender. Money remaining is a budget estimate, not loan approval.
You’re more than a credit score.
What you earn. What you spend. What you can afford.
