Offtoa lets you defer all payments until the end (just enter $0 for monthly payment), or make regular payments (of any fixed amount) throughout the term of the loan. Either way, when the loan is due, the entire balance (plus any unpaid interest) will be paid off. If you want to create a hybrid of these two approaches, i.e., a loan in which you make no payments for, say, a year, and then start making payments, just set it up as two sequential loans. For example, let's say you want a $100,000 loan for 4 years at a 10% interest rate where monthly payments of $5,000 start after the first year. Here's how to do it in Offtoa:

• First loan: $100,000; 10% interest; $0 monthly payment; term: 12 months.
• Second loan: $110,000 (picks up the first plus all its interest); Date of loan: 12 months after first loan; 10% interest; Monthly payment: $5,000; term: 36 months.

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