Personal loan repayment calculator - cause we all hate maths.

8 of 206 results

Interest rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Rewards	Monthly Repayment
NOW Finance No Fee Unsecured Personal Loan Finder AwardFixed18 Months - 7 Years $5,000 - $50,000	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.	Go to site More info Compare product selectionCompare	loading
OurMoneyMarket Debt Consolidation Loan Fixed1 - 7 Years $5,000 - $75,000	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 with an Equifax credit score of 500 or above and an annual income of more than $25k are eligible.	Go to site More info Compare product selectionCompare	loading
Revolut Unsecured Personal Loan Fixed1 - 7 Years $5,000 - $50,000	Interest Rate (p.a.) 6.17% to 26.99%	Comp. Rate (p.a.) 6.17% to 23.79%	Application Fee $0	Monthly Fee $0	Monthly Repayment $609.98	Apply online and then access your funds in minutes if you're approved. Pay no monthly or annual fees to use the loan and no early repayment fees. 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+.	Go to site More info Compare product selectionCompare	loading
Latitude Variable Rate Personal Loan Variable2 - 7 Years $5,000 -	Interest Rate (p.a.) 9.49% to 29.39%	Comp. Rate (p.a.) 10.61% to 30.29%	Application Fee $0	Monthly Fee $16.50	Monthly Repayment $657.07	$395 establishment fee waived for approved personal loan applications for a limited time. Latitude may withdraw offer at any time. T&Cs apply.	Go to site More info Compare product selectionCompare	loading
OurMoneyMarket Home Improvement Loan 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 with an Equifax credit score of 500 or above and an annual income of more than $25k are eligible.	Go to site More info Compare product selectionCompare	loading
Latitude Fixed Rate Personal Loan Fixed2 - 7 Years $5,000 -	Interest Rate (p.a.) 8.99% to 29.39%	Comp. Rate (p.a.) 10.11% to 30.29%	Application Fee $0	Monthly Fee $16.50	Monthly Repayment $652.40	$395 establishment fee waived for approved personal loan applications for a limited time. Latitude may withdraw offer at any time. T&Cs apply.	Go to site More info Compare product selectionCompare	loading
Jacaranda Finance Secured Personal Loan Fixed25 Months - 3 Years $3,000 - $25,000	Interest Rate (p.a.) 16.95% to 29.95%	Comp. Rate (p.a.) 32.99% to 45.50%	Application Fee $125 - $1,190	Monthly Fee $26	Monthly Repayment $780.95	Go to site More info Compare product selectionCompare	loading
Jacaranda Finance Unsecured Personal Loan Fixed25 Months $3,000 - $10,000	Interest Rate (p.a.) 27.95% to 29.95%	Comp. Rate (p.a.) 44.50% to 46.50%	Application Fee $13.50 - $950	Monthly Fee $26	Monthly Repayment $892	Go to site More info Compare product selectionCompare	loading

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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?

Addicted 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)

Rates 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.

Cash 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.

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Richard Whitten as part of our fact-checking process.

Written by

Rebecca Pike

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 267 Finder guides across topics including:

Home loans
Personal Loans
Car Loans
Cost of living
Budgeting

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4 Responses

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

Finder

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.

minaAugust 30, 2019

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

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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Personal loan repayment calculator – cause we all hate maths.