Bendigo Bank, Citibank and CommBank Bank Calculators

Rates and Fees verified correct on April 30th, 2017

Bank calculators: The easy way to design the perfect loan

Are you considering a personal loan from Bendigo Bank, Citibank or Commonwealth Bank? Before you click that final 'apply' button, you might want to check how much a personal loan from one of these lenders will cost you. You can do this by using a personal loan calculator. All three of these lenders offer one of these calculators on their sites, and we take you through how to use these calculators to your best advantage. We also show you a calculator on that lets you compare your loan options side by side.

Bendigo Bank Personal Loan Calculator

This calculator helps you work out what your repayments will be and how much interest you will pay on your personal loan. A personal loan can be for any worthwhile purpose, such as a car, a holiday or home renovations. To use this calculator, use the sliding scale to determine the loan amount, the loan period, the loan type, the repayment frequency and the repayment type. You can then scroll over various points on the graph on the right and see the progression of the loan at different points in time.

Citibank Personal Loan Calculator


This is even easier calculator to use to work out the repayments on your personal loan. Simply select from the two Citibank personal loan offerings (either 7.9% p.a. over 2 years or 9.99% p.a. over 4 years), and use the sliding scale to select the amount you wish to borrow. The calculator will then show you exactly how much your monthly repayments will be.

Commonwealth Bank Personal Loan Calculator


Adjust the term and amount of your personal loan to fit in with your budget with this personal loan calculator from Commonwealth Bank. Simply select the type of loan you require (fixed or variable interest rate), use the sliding scaled to determine the loan amount and loan term and select the repayment frequency (weekly, fortnightly or monthly). Commonwealth Bank’s current interest rate is already displayed in the calculator, along with a comparison rate, so all you need do is select ‘calculate’ to determine how much your repayments will be over the life of the loan.

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When will these bank personal loan calculators come in use?

Bank calculators are the easy way to work out how much you can borrow and how much your repayments will be over the life of your loan. They offer a range of benefits including:

  • Convenience. You can calculate your loan repayments online, any time of the day or night.
  • Flexibility. Adjust variables such as the amount and term of the loan and frequency of repayments to suit your budget.
  • Speed. You're able to calculate your loan and then apply immediately online, making the whole process much faster than a visit to your local branch.
  • Transparency. All the variables are selected by you, so you won’t get any nasty surprises later on such as hidden fees and charges.
  • Value for money. Not only are these loan calculators free, but they allow you to see the true cost of a loan and ensure that you're taking on a competitive loan option before you apply.

Personal loan calculator

The personal loan repayment calculator at offers even more convenience when looking for the best personal loan. Simply by entering the loan amount and term you desire, it allows you to compare the loan offerings of a number of different banks and lenders.

You can compare things like the interest rates offered, whether fees apply, and of course, how much your repayments will be over the life of the loan. It can be used to calculate any personal loan, helping to widen the scope of your personal loan search.

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What personal loans do these banks offer?

Let’s take a look at the personal loans offered by these three major lenders: Bendigo Bank, Citibank and the Commonwealth Bank.

Bendigo Bank

  • Secured or unsecured personal loans. These come with competitive fixed interest rates, a choice of loan terms and flexible payment options
  • Generation Green secured or unsecured personal loans. Offering a 1.00% p.a. discount on interest rates if you make an environmentally-friendly purchase
  • Natural disaster personal loans. A discounted secured or unsecured loan for customers who have been affected by a natural disaster.


  • Ready Credit flexible personal loan. A low-rate, flexible personal loan with a 7.9% p.a.  interest rate on up to 80% of your credit limit (up to $60,000) for 2 years. There's also no early payout fees, no monthly or annual fees and a low $149 establishment fee.
  • Ready Credit fixed payment option. A low-rate flexible personal loan (from 9.99% p.a.), with fixed monthly repayments for 4 years, no monthly or annual fees and a low $149 establishment fee.

Commonwealth Bank

  • Fixed rate loans. Your choice of a 1 year(s) to 7 year(s) loan term plus the option of weekly, fortnightly or monthly repayments. All with a competitive fixed rate.
  • Variable rate loans. With competitive rates, no penalty for additional repayments and a choice of a term between 1 year(s)and 7 year(s).
  • Secured car loans. Terms of between 1 year(s) and  are available, as are a choice of weekly, fortnightly or monthly repayments plus the option to make additional repayments up to $5,000 a year.
  • Personal overdrafts. Access additional funds from $100 up to $20,000 from your Commonwealth Bank account.

Bank calculators are a great tool for potential borrowers, as they allow you to do your homework and know what you need and what can afford before applying for a personal loan. They offer the convenience of 24/7 access, the flexibility to design a loan that suits your budget, the speed to get your loan approved faster, the transparency that comes with knowing everything upfront and the value for money that only doing it yourself online can bring.

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