Personal loan repayments calculator

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

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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 for a term of 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 7.99% p.a. (8.76% p.a. comparison rate) the total amount payable is $37,087 including interest and fees. For an Unsecured Personal Loan of $30,000 borrowed over a 5-year term at 10.99% p.a. (11.81% p.a. comparison rate) the total amount payable is $39,802.20 including interest and fees. These examples are estimates only and assume all repayments are made on time.