Repaying £1,000 of credit card debt

Updated 7 November 2026 · ClearCost UK · 4 min read

A £1,000 balance can take months or years to clear depending on the APR and what you pay each month. The table shows time and interest for each case.
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Time and interest for £1,000

Each cell shows the number of months and the total interest. Read down for the card rate and across for the monthly payment.

£1,000 balance

APR£40 a month£85 a month£105 a month£130 a month
22.9% APR35 mo / £37214 mo / £14311 mo / £1149 mo / £92
29.9% APR40 mo / £58515 mo / £19812 mo / £1569 mo / £124
34.9% APR46 mo / £81215 mo / £24212 mo / £1889 mo / £149

£1,000 at each APR

£1,000 at 22.9% APR£1,000 at 29.9% APR£1,000 at 34.9% APR

Sources and further reading

Questions people ask

What is the fastest way to repay £1,000?
Pay as much as you can every month, consider a 0% balance transfer if you qualify, and stop adding new purchases to the card.

Results are estimates for information only, not financial advice. Read the full disclaimer.

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£1,000 at 22.9% APR54 months at £30 a month£1,000 at 29.9% APR40 months at £40 a month£1,000 at 34.9% APR15 months at £85 a monthCredit card repayment calculatorTime and interestBalance transfer calculatorFee, 0% period and savings

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