Personal loan repayments calculator

Need funds for something you’re dreaming about? Use our simple calculator to find out what your repayments might be.

There are two loan types to choose from – secured or unsecured

Rates are subject to change. Other fees and charges may apply. A full list of fees will be included in your personal loan contract.

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What’s the comparison rate?
It’s a tool that can help you identify the truer cost of a loan. It’s calculated using a standard formula that includes the interest rate, as well as certain fees and charges relating to a loan (not all fees and charges are included).

Comparison rate warning:
Comparison rates for secured and unsecured personal loans are based on a loan amount of $30,000 over 5 years. WARNING: The comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Representative example of total loan cost: For a Secured Car Loan of $30,000 borrowed over a 5-year term at 8.99% p.a. (9.33% p.a. comparison rate) the total amount payable is $37,656.60 including interest and fees. For an Unsecured Personal Loan of $30,000 borrowed over a 5-year term at 10.99% p.a. (11.32% p.a. comparison rate) the total amount payable is $39,427.20 including interest and fees. These examples are estimates only and assume all repayments are made on time.

  1. Cars and motorcycles used as security must be valued at least $10,000 or be less than seven years old.