ANZ, Aussie and Bankwest Personal Loan Calculators

Borrowing with ANZ, Aussie or Bankwest? Read this first to find out how much you'll pay.

Using a suitable loan calculator can give you a good indication of what your repayments look like over different loan terms. While loan calculators offered by banks through their websites can be quite similar, they tend to come with little differences. What you have to bear in mind is that these calculators are only indicative and don’t offer actual quotes. On this page, you'll find out how to use calculators from three major players in the personal loan market — ANZ, Aussie and Bankwest.

Loans you can use calculators with

Rates last updated October 23rd, 2018
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Product Description Monthly Repayment
Harmoney Unsecured Personal Loan
From 6.99% (fixed)
7.69%
$5,000
3 to 5 years
$0
$500 (Upfront fee)
You'll receive a fixed rate between 6.99% p.a. and 26.95% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3 or 5 years terms.
Citi Personal Loan Plus
From 8.99% (variable)
9.96%
$5,000
3 to 5 years
$10
$199
You'll receive a variable rate between 8.99% p.a. and 17.99% p.a. (9.96% p.a. to 18.91% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years.
RateSetter 3-Years Personal Loan
From 8.69% (fixed)
11.24%
$2,001
0.5 to 5 years
$0
$220
You'll receive a fixed rate from 8.69% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 6 months. Interest and comparison rates calculated for a loan term of 3 years.
ANZ Fixed Rate Personal Loan
12.45% (fixed)
13.32%
$5,000
1 to 7 years
$10
$150
You'll receive a fixed rate of 12.45% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.
SocietyOne Unsecured Personal Loan
From 7.5% (fixed)
9.51%
$5,000
2 to 5 years
$0
3% (of loan amount)
You'll receive a fixed rate between 7.5% p.a. and 19.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
HSBC Personal Loan
From 9.5% (fixed)
10.06%
$5,000
1 to 5 years
$5
$150
You'll receive a fixed rate between 9.5% p.a. and 15.99% p.a. based on your risk profile
An unsecured personal loan with a tailored, fixed rate where you can make additional and early repayments without penalty.
Latitude Personal Loan (Unsecured)
From 13.99% (fixed)
15.19%
$3,000
2 to 7 years
$13
$250 (Loans under $4000 - $140)
You'll receive a fixed rate between 13.99% p.a. and 29.99% p.a. based on your risk profile
Apply for what you need from $3,000 and use it for a range of purposes. Flexible repayments options.
ANZ Variable Rate Personal Loan
15.99% (variable)
16.84%
$5,000
1 to 7 years
$10
$150
You'll receive a variable rate of 15.99% p.a.
A flexible loan with amounts starting $5,000 that offers flexible repayments and a redraw facility.
Westpac Unsecured Personal Loan
12.99% (fixed)
14.14%
$4,000
1 to 7 years
$12
$250
You'll receive a fixed rate of 12.99% p.a.
Benefit from the security of a fixed rate with the flexibility of additional repayments. Existing Westpac customers may qualify for discounts.
Latitude Low Rate Personal Loan (Unsecured)
10.99% (fixed)
12.21%
$20,000
2 to 7 years
$13
$250
You'll receive a fixed rate of 10.99% p.a.
A secured or unsecured loan available to homeowners with a large minimum borrowing amount of $20,000. Benefit from flexible repayments and fast approval.
NOW FINANCE Personal Loans
From 8.95% (fixed)
10.56%
$5,000
1.5 to 7 years
$13
$495 (Based on $10,000)
You'll receive a fixed rate between 8.95% p.a. and 16.95% p.a. based on your risk profile
Apply for loans from $5,000 and get a dedicated loan manager. No security required. Note: Get your loan approved and settled before 31 October 2018 and receive a $200 Coles gift card.
St.George Unsecured Personal Loan - Fixed Rate
From 12.99% (fixed)
14.06%
$2,000
1 to 5 years
$12
$195
You'll receive a fixed rate between 12.99% p.a. and 19.99% p.a. based on your risk profile
A low minimum borrowing amount of $2,000 to fund a range of purposes.
Australian Military Bank Variable Rate Personal Loan
From 7.88% (variable)
8.72%
$1,000
1 to 7 years
$10
from $100 to $500
You'll receive a variable rate between 7.88% p.a. and 18.82% p.a. based on your risk profile
An unsecured loan with flexible repayment options and a low minimum borrowing amount.
Australian Military Bank Fixed Rate Personal Loan
From 7.93% (fixed)
8.77%
$1,000
1 to 5 years
$10
from $100 to $500
You'll receive a fixed rate between 7.93% p.a. and 18.87% p.a. based on your risk profile
An unsecured loan with a low minimum borrowing amount and flexible repayment options.
RACQ Bank Unsecured Personal Loan
12.95% (variable)
13.25%
$3,000
5 years
$0
$200
You'll receive a variable rate of 12.95% p.a.
A low minimum borrowing amount of $3,000 that you can use for a range of purposes. Benefit from member discounts and flexible repayments. Only available to QLD residents

Compare up to 4 providers

ANZ Personal Loan repayment Calculator

ANZ-repayments-calculator

The ANZ personal loan calculator lets you calculate your repayments for ANZ fixed and variable rate loans. Depending on the type of loan you choose the interest rate will auto-populate. You will, however, have to enter details in the following fields.

  • Loan amount. The minimum you can apply for is $5,000, and the maximum depends on factors like your income and ability to make repayments.
  • Loan term. This can vary between one and seven years.
  • Repayment frequency. Here, you have to choose between making weekly, fortnightly, and monthly repayments.

Aussie Personal Loan Calculator

Aussie-PLoan-Repayments-Calculator

The Aussie personal loan calculator is quite similar to the one that ANZ offers, where the interest rate auto-populates in accordance to the current rate on offer. The calculator will show you just how much you have to repay weekly, fortnightly, or monthly. The details you have to enter include the following:

  • Loan purpose. Your options include home improvements, debt consolidation, travel, education, and other.
  • Loan amount. This is the amount you wish to borrow. The minimum you can borrow is $3,000, and the maximum stands at $15,000.
  • Loan period. The loan period for Aussie personal loans can vary in between one and seven years.

Bankwest Personal Loan Calculator

Bankwest-PL-Repayments-Calculator

Bankwest also gives its customers the ability to calculate personal loan repayments ahead of time using an online personal loan calculator. This bankwest loan calculator, unlike the previous two, also includes a graph to give a clear indication of how the principal and interest repayments look over time. Existing interest rates for the loan in question auto-populate in this calculator as well. You're required to enter the following details in the calculator:

  • Loan amount. The minimum you can apply for is $5,000.
  • Loan term. Loan terms for the unsecured Bankwest personal loan varies between three and seven years.
  • Repayment frequency. Choose between making weekly, fortnightly, and monthly repayments.
Back to top

When will these bank personal loan calculators come in use?

Using bank loan calculators come with a number of benefits, which include the following.

  • Help save time. With access to a loan calculator all you have to do is enter basic details and the calculator does the work for you. This helps you save valuable time when you're looking for a personal loan.
  • Help choose a loan as per your budget. While some people look for the cheapest loans in terms of rates and fees, while others look for loans that offer long loan terms with low repayments. A loan calculator can help you narrow down on the right option for you by showing you which option will be better for you in the long run.
  • Help save money. When you use a loan calculator to compare similar loans, you get to know which one will be more cost-effective.
  • Help ascertain the effect of changing your loan term. Increasing the loan term can reduce the size of your repayments, but doing so also has an effect on the total interest you pay. This is something you can find out by using a loan calculator.
  • Show how a different interest rate will affect your loan. Even small interest rate differences can have a considerable effect on how much you end up repaying, and this will become clear when you use a loan calculator.

Personal loan calculator

The finder.com.au personal loan calculator gives you the ability to compare personal loans offered by multiple lenders in a single place. The personal loan repayment calculator requires you to enter your loan amount, loan term, interest rate and repayment frequency, and the results tell you what your repayments will look like. You'll also see the total amount you’ll have to pay in the form of interest.

The loan comparison calculator, on the other hand, lets you compare two personal loans side by side. Start by entering details that are the same for both of the loans. These include the loan amount and loan term. Then, move on to entering the variables, which include upfront fees, ongoing fees, introductory rates, introductory terms, and ongoing rates. The results tell you which loan will help you save in the initial period as well as over the course of the loan. The amortisation tab gives you an annual breakup of cumulative payments, showing you how much you save in the form of interest with every passing year.

Back to top

What personal loans do these banks offer?

ANZ

ANZ offers two types of personal loans: a fixed rate personal loan and a variable rate personal loan. The variable rate loan allows extra repayments and comes with a redraw facility. The minimum you can borrow through these loans is $5,000, and loan term varies in between one and seven years.

What are the benefits of borrowing with ANZ?

Aussie

Aussie offers an unsecured personal loan that you can use for different purposes like debt consolidation, renovations, travel, weddings, and education. You can apply for as little as $3,000 through this loan and the loan term can extend up to seven years. This loan offers repayment flexibility, allowing you to choose between making weekly, fortnightly and monthly repayments.

Compare and apply for an Aussie personal loan

Bankwest

The unsecured fixed rate personal loan that Bankwest offers allows you to borrow between $5,000 and $50,000, with the loan term varying between three and seven years. You can make extra repayments, but the loan does not come with a redraw facility.

How can a Bankwest personal loan help you?

A personal loan can give you the means to take care of different kinds of expenses, but before you apply for one it is best that you compare your options. After all, a slight variation in interest rate can save you money, and adjusting the loan term can make a loan more budget-friendly.

Was this content helpful to you? No  Yes

Related Posts

Personal Loan Offers

Important Information*
HSBC Personal Loan

You'll receive a fixed rate between 9.5% p.a. and 15.99% p.a. based on your risk profile
An unsecured personal loan with a tailored, fixed rate where you can make additional and early repayments without penalty.

Citi Personal Loan Plus

You'll receive a variable rate between 8.99% p.a. and 17.99% p.a. (9.96% p.a. to 18.91% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years.

Latitude Personal Loan (Unsecured)

You'll receive a fixed rate between 13.99% p.a. and 29.99% p.a. based on your risk profile
Apply for what you need from $3,000 and use it for a range of purposes. Flexible repayments options.

Westpac Unsecured Personal Loan

You'll receive a fixed rate of 12.99% p.a.
Benefit from the security of a fixed rate with the flexibility of additional repayments. Existing Westpac customers may qualify for discounts.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.
Ask a question
Go to site