It depends on the rates, the fees, and the term. A loan with a lower rate can cost less overall, but a long term or a large fee can make it more expensive than keeping the card. Compare the total cost on the calculator, not only the monthly payment.

It can change your credit profile in both directions. Opening a new loan adds an inquiry and a new account, and paying off the card can lower your utilization. The effect depends on your full credit history, so check with the lender or a credit counselor for your situation.

Then the balance grows and never clears at that payment. The calculator shows Never clears in that case. Raising the payment above the monthly interest is the first step toward a payoff.

That is a personal choice. Closing a card can lower your available credit, which can raise your utilization on other cards. Keeping it open with no new charges can help, but only if you do not build a new balance.

No. It includes only the fee you enter, which is added to the loan. Other charges, such as late fees, insurance, or penalties, are not included.