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Personal loan repayment calculator
Planning a renovation, a wedding or the trip you've earned? See what a personal loan could cost each week, fortnight or month, with no personal details and no credit check.
Estimates only, based on the details you enter. This isn't a quote, a loan offer or an approval, and it doesn't include fees and charges. Your actual rate and repayments will depend on your circumstances and lender criteria. Credit is subject to lender approval.
How to use this calculator
Loan amount
Use the price of the car, minus any deposit or trade in. Don't forget on road costs.
Interest rate
Try a few rates. Your real rate depends on your credit history, income, the car's age and loan term.
Loan term
A longer term lowers your repayments, but you'll pay more interest overall. Choose what feels comfortable.
What affects your rate
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Your credit history: A clean file can open up sharper rates
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Income and employment: How steady it is and how you're paid
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Secured or unsecured: Using an asset as security can lower your rate
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Loan term: Longer term lowers repayments but can increase interest rate
Learn more about personal loans
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Personal Loan calculator common questions
Straight answers. Can't see yours? Give us a call.
How accurate is the personal loan calculator?
It gives you a good estimate based on the loan amount, rate and term you enter. It doesn’t include fees and charges, and your actual rate depends on your circumstances and the lender. For real numbers, book a free call and we’ll find your options
How much can I borrow with a personal loan?
It depends on your income, expenses, existing debts and credit history. Use the calculator to see what feels comfortable, then we’ll give you a clear picture of your borrowing power.
Does a secured loan really lower my repayments?
Often, yes. Using an asset such as a car as security can mean a lower interest rate, which lowers your repayments. Try a lower rate in the calculator to compare.
Will using the calculator affect my credit score?
No. The calculator doesn’t ask for personal details or run a credit check, so you can try as many scenarios as you like.