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

Updated November 22nd, 2019
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Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
From 6.89% (variable)
8.89%
$2,001
6 months to 5 years
$299 (Based on $10,000)
$0
You'll receive a variable rate between 6.89% p.a. and 16.4% 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.
From 7.5% (fixed)
9.51%
$5,000
2 to 5 years
from 3% of loan amount
$0
You'll receive a fixed rate between 7.5% p.a. and 20.49% 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.
8.99% (fixed)
9.13%
$5,000
2 to 5 years
$100
$0
You'll receive a fixed rate of 8.99% p.a.
Benefit from no ongoing fees, no early repayment fees and flexible loan terms on amounts up to $30,000.
From 6.99% (fixed)
7.69%
$2,000
3 to 5 years
$500 ($200 for loans of below $5,000)
$0
You'll receive a fixed rate between 6.99% p.a. and 28.69% 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.
From 5.75% (variable)
6.89%
$5,000
1 to 7 years
from 1% to 5% of the loan amount
$10
You'll receive a personalised interest rate from 5.75% p.a. to 19.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
9.89% (fixed)
10.14%
$5,000
1 to 7 years
$175
$0
You'll receive a fixed rate of 9.89% p.a.
An unsecured loan from $5,000 with flexible repayments and no monthly fee.
From 8.05% (fixed)
9.06%
$2,000
1 to 7 years
1.5–6% of your total loan amount
$0
You'll receive a fixed rate from 8.05% p.a. based on your risk profile
A personalised loan from $2,000 to $50,000 that varies based on your credit history and financial situation.
From 8.95% (fixed)
10.56%
$5,000
18 months to 7 years
$495 (Based on $10,000)
$13
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: Applicants approved before 30th November 2019 will receive a special offer $200 Coles Gift Card.
From 10.69% (fixed)
11.58%
$5,000
1 to 7 years
$150
$10
You'll receive a fixed rate between 10.69% p.a. and 18.69% p.a. ( 11.58% p.a. to 19.53% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.
12.99% (fixed)
14.14%
$4,000
1 to 7 years
$250
$12
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. Note: Existing customers approved via online banking between 29 October and 8 December 2019 qualify for a 1% discount.
From 13.99% (fixed)
15.19%
$3,000
1 to 7 years
$250 (Loans under $5000 - $140)
$13
You'll receive a fixed rate between 13.99% p.a. and 24.99% 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.
From 7.93% (fixed)
8.77%
$1,000
1 to 5 years
$500 (from $100 to $500)
$10
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.
10.99% (fixed)
12.21%
$20,000
1 to 7 years
$250
$13
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.
From 9.54% (variable)
9.83%
$3,000
Up to 5 years
$200
$0
You'll receive a variable rate of 9.54% 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
From 12.99% (fixed)
14.06%
$2,000
1 to 5 years
$195
$12
You'll receive a fixed rate between 12.99% p.a. and 18.9% p.a. based on your risk profile
A low minimum borrowing amount of $2,000 to fund a range of purposes.
From 8.99% (fixed)
10.31%
$5,000
6 months to 4 years
$250 ($195 For Loans $5000 to $10000)
$0
You'll receive a personalised rate of between 8.99% p.a. and 29.99% p.a. based on your risk profile.
Borrow up to $25,000 over a 4 year loan term.
11.89% (variable)
12.15%
$5,000
1 to 7 years
$175
$0
You'll receive a variable rate of 11.89% p.a.
Borrow from $5,000 with the option for flexible repayments and no monthly fees.
10.89% (variable)
11.15%
$30,000
1 to 7 years
$175
$0
You'll receive a discounted variable rate of 10.89% p.a.
Borrow over $30,000 and receive a discounted interest rate. No monthly fees and a redraw facility also available.
From 10.69% (variable)
11.58%
$5,000
1 to 7 years
$150
$10
You'll receive a variable rate between 10.69% p.a. and 18.69% p.a. ( 11.58% p.a. to 19.53% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes. Benefit from fee-free additional repayments and a redraw facility. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.
From 7.88% (variable)
8.72%
$1,000
1 to 7 years
$500 (from $100 to $500)
$10
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.
From 12.99% (variable)
14.06%
$2,000
1 to 7 years
$195
$12
You'll receive a variable rate between 12.99% p.a. and 18.9% p.a. based on your risk profile
A low minimum borrowing amount of $2,000 plus the convenience to make extra repayments and redraw them if you need them.

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.
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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.

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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.

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Important Information*
Logo for Citi Personal Loan Plus
Citi Personal Loan Plus

You'll receive a variable rate between 9.99% p.a. and 17.99% p.a. (9.99% p.a. to 17.99% 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. Note: No establishment fee and no monthly account service fees apply if you apply and are approved before 31 March 2020.

Logo for RateSetter Unsecured Personal Loan - 3yr Variable
RateSetter Unsecured Personal Loan - 3yr Variable

You'll receive a variable rate between p.a. and 16.40 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.

Logo for ING Personal Loan
ING Personal Loan

You'll receive a fixed rate of 8.99% p.a.
Benefit from no ongoing fees, no early repayment fees and flexible loan terms on amounts up to $30,000.

Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 28.69% 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.

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