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When you have PAL, it’s like shopping with cash. Pre-approved loans are available for all of our loan programs. When you’re shopping for a vehicle, you’ll know exactly how much you can afford to spend.   Michigan Columbus Financial Tools Loan Calculators Amortizing Loan Calculator - Enter your desired payment - and let us calculate your loan amount or enter in the loan amount and we will calculate your monthly payment! Loan Comparison Calculator - Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options. Credit Cards and Debt Management Credit Card Payoff - Use this calculator to see what it will take to payoff your credit card balance, and what you can change to meet your repayment goals. Personal Debt Consolidation - Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.