Personal loan repayment calculator

Crunch the numbers to see how much your personal loan could be each month.

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By

Rebecca Pike

Edited by

Richard Whitten

Updated

Fact checked
4.7 based on 821 reviews
$
years
9 of 237 results
Checked 11 July 2026
Interest rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
Interest Rate (p.a.)
7.99%
to 27.39%
Comp. Rate (p.a.)
9.68%
to 28.97%
Application Fee
$395
Monthly Fee
$16.50
Monthly Repayment
$655.51
Finder exclusive: Get 2% p.a. off your interest rate and a $100 Finder Reward Visa Gift card when you apply through Finder by 31 Aug 2026 and settle your loan by 20 Sep 2026. Rates shown above already apply the 2% p.a. rate discount. T&Cs apply.
$100$100$100 RewardT&Cs apply
T&Cs apply
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Interest Rate (p.a.)
5.95%
to 26.95%
Comp. Rate (p.a.)
5.95%
to 26.95%
Application Fee
$0
Monthly Fee
$0
Monthly Repayment
$607.99
Borrow up to $50,000 for any worthwhile purchase and pay no establishment or ongoing fees without providing collateral. You can also benefit from a more competitive interest rate if you have a strong credit score.
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Interest Rate (p.a.)
5.95%
to 18.99%
Comp. Rate (p.a.)
5.95%
to 21.78%
Application Fee
$0
min.
Monthly Fee
$0
Monthly Repayment
$607.99
Finder exclusive: Receive a $100 eGift Card if you have Excellent Credit (as determined by OMM’s credit assessment and scorecard), apply via Finder by 31 July 2026, and settle by 15 August 2026. For loans between $20,000 and $100,000 only. T&Cs apply.
Eligibility: Applicants must have an Equifax credit score of 500 or above, an annual income of more than $25k, and must be an Australian citizen or permanent resident.
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Latitude logo
Latitude Variable Rate Unsecured Personal Loan - Finder Exclusive
ExclusiveVariable2 - 7 Years $5,000 - $200,000
Interest Rate (p.a.)
7.99%
to 27.39%
Comp. Rate (p.a.)
9.68%
to 28.97%
Application Fee
$395
Monthly Fee
$16.50
Monthly Repayment
$655.51
Finder exclusive: Get 2% p.a. off your interest rate and a $100 Finder Reward Visa Gift card when you apply through Finder by 31 Aug 2026 and settle your loan by 20 Sep 2026. Rates shown above already apply the 2% p.a. rate discount. T&Cs apply.
$100$100$100 RewardT&Cs apply
T&Cs apply
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Revolut logo
Revolut Unsecured Personal Loan
Fixed1 - 7 Years $5,000 - $50,000
Interest Rate (p.a.)
6.99%
to 24.49%
Comp. Rate (p.a.)
6.99%
to 25.32%
Application Fee
$0
Monthly Fee
$0
Monthly Repayment
$617.45
Limited Time Offer: Apply in-app and access your funds in minutes if approved. New User Offer: Get a A$50 cash reward when you make your first repayment within 90 days of joining Revolut. Offer ends 31 Dec 2026. T&Cs apply.
Eligibility: Must be an Australian/NZ citizen or permanent resident, employed for 3+ months, earning at least $2,000/month, with a recommended Equifax credit score of 500+.
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Harmoney logo
Harmoney Unsecured Personal Loan
Fixed3 - 7 Years $2,000 - $100,000
Interest Rate (p.a.)
5.76%
to 24.03%
Comp. Rate (p.a.)
5.76%
to 24.98%
Application Fee
$275 - $575
Monthly Fee
$0
Monthly Repayment
$623.70
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ING logo
ING Personal Loan
Most LovedFixed2 - 7 Years $5,000 - $60,000
Interest Rate (p.a.)
6.19%
to 19.99%
Comp. Rate (p.a.)
7.03%
to 20.78%
Application Fee
$199
Monthly Fee
$8
Monthly Repayment
$624.23
No early repayment fees and same-day funding for existing ING customers.

Eligibility: Applicants must be 18+, Australian/ NZ citizen or permanent resident of Australia, and earning at least $36,000 a year (before tax) with PAYG payslips.
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Great Southern Bank logo
Great Southern Bank Unsecured Fixed Rate Personal Loan
Fixed1 - 7 Years $5,000 - $75,000
Interest Rate (p.a.)
7.49%
to 20.19%
Comp. Rate (p.a.)
7.49%
to 20.19%
Application Fee
$225
Monthly Fee
$0
Monthly Repayment
$629.03
The $225 establishment fee waiver is available for new or existing customers who submit a Great Southern Bank personal loan application between 30 April 2025 and 29 September 2026. Great Southern Bank may withdraw or amend this offer at any time without notice. Lending criteria, limits, conditions, and fees apply.
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OurMoneyMarket logo
OurMoneyMarket Unsecured Low-Rate Personal Loan ($5,000-$100,000)
Fixed1 - 7 Years $5,000 - $100,000
Interest Rate (p.a.)
5.95%
to 18.99%
Comp. Rate (p.a.)
5.95%
to 21.78%
Application Fee
$0
min.
Monthly Fee
$0
Monthly Repayment
$607.99
No monthly or early exit fees. Loan amounts range from $5,000 to $75,000, and up to $100,000 for home improvement projects and motor vehicles.

Eligibility: Applicants must have an Equifax credit score of 500 or above, an annual income of more than $25k, and must be an Australian citizen or permanent resident.
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Start comparing

It's not possible to plan for every expense that's going to come your way, which is why some people choose to take out personal loans. Before you consider taking out a personal loan, it's important to know if you will be able to afford the repayments. Use our calculator to get an idea of what your repayments will look like.

Calculate your personal loan repayments

Your personal loan details

Loan amount
$
Term
Repayment type
Interest rate
%
Monthly fee
$
Interest only period
Payment frequency
Extra monthly repayments
$

Overview of your loan

Once the interest only period ends, your estimated repayments will be
(including extra )
Total loan repayments:
Total interest / fees payable:
Compare personal loans
By making extra monthly repayments of
Your loan term could reduce by:
You could pay less interest, saving:
See as a table
Years remaining Principal remaining
Calculator Assumptions: The above calculations are worked out assuming you're paying off a principal and interest loan where the interest rate remains the same over the life of the loan. The repayment amounts do not take into account any additional fees or charges that may be charged to your loan (e.g. application fees).
Disclaimer: Whilst every effort has been made to ensure the accuracy of this calculator, the results should be used as indication only. They are neither a quote nor a pre-qualification for a loan.

Why compare personal loans with Finder?

freeAddicted to details. We know taking out a personal loan is something you'll be hooked up with for a while. That's why we put hours into research for this guide (and still do at least once a month)
expert adviceRates obsessed. Lenders come in all shapes and sizes, that's why we don't just track the big banks, but all the digi folk too. Pretty much everyone but your parents to be honest.
independentCash for whatever you need. Lending rates verified from 180+ products day and night. Whether you're buying a car, rennovating your home or heck just ready to let loose with the spending - we got you.
Richard Whitten's headshot
To make sure you get accurate and helpful information, this guide has been edited by Richard Whitten as part of our fact-checking process.
Rebecca Pike's headshot
Written by

Editor, Money

Rebecca Pike is Finder’s money editor, with over 7 years of experience in mortgages and personal finance. A frequent TV and radio commentator, she frequently appears on Sunrise and 7News, Today and 9News, as well as Sky News, Channel 10 and across radio and print. Rebecca previously served as Editor of Mortgage Professional Australia. She has a Master’s degree in Journalism as well as ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, which comply with ASIC guidelines. See full bio

Rebecca's expertise
Rebecca has written 289 Finder guides across topics including:
  • Home loans
  • Personal Loans
  • Car Loans
  • Cost of living
  • Budgeting
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4 Responses

    John's avatar
    JohnMarch 6, 2025

    Hi I,m a pensioner on a centreline payment and looking to buy a small caravan , I own my own home ,what are my chances

      Richard Whitten's headshotFinder
      RichardMarch 7, 2025Finder

      Hi John,

      If you’re receiving the Age Pension you might be able to get a loan approved from a lender. It depends how much you’d have to spend each month repaying the loan. If it ‘s a large portion of your Centrelink payments you’ll probably get rejected.

      It also depends on the lender’s own policies around Centrelink payments. I suggest contacting some lenders directly and enquiring first. You’ll probably have more luck with a smaller bank or specialist lender.

      I hope this helps.

    mina's avatar
    minaAugust 30, 2019

    Is it safe to enter all the information required , such as DOB, License number and so on?

      Nikki Angco's avatar
      NikkiAugust 30, 2019

      Hi Mina,

      Thanks for your message.

      Yes, it is safe to enter all the information required on our personal loan calculator. You may also read our privacy policy for more details.

      Hope this helps!

      Best,
      Nikki

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