Society One, St.George and Westpac Bank Repayment Calculators

What can you afford? Find out before you borrow

If you plan to apply for a loan, the first thing you need to do is work out how much you can afford to borrow and how much your repayments will be. Use a personal loan bank calculator and you'll be able to. It does all the work for you and will tell you what your repayments will be simply by entering a few basic details. Looking at three competitive lenders in the personal loans market — Society One, St.George and Westpac — we can see how using their bank calculators make finding the right loan a simpler process.

Society One personal loan calculator


This calculator is as simple as they come. Just use the sliding scales to select how much you want to borrow, over how many months and where your credit rating falls (between excellent and below average). The calculator then shows you the lowest interest rate you can be offered, the comparison rate and how much your monthly repayments would be.

St.George personal loan calculator


This calculator offers more variables to give you a more accurate snapshot of your potential loan. First enter the loan type (secured or unsecured), then the interest option you prefer (fixed or variable), the timeframe you want to pay over and the repayment frequency (weekly, fortnightly or monthly). Then, enter the amount you want to borrow and press ‘Calculate’ to see what your repayments will be.

Westpac personal loan calculator


his simple calculator helps you estimate your repayments when you provide some basic information. This includes the type of loan, the loan amount, the loan term (in years) and the interest rate, which is compared with the average interest rate elsewhere. After entering these fields, you simply press ‘Calculate’ to determine the amount of your repayments.

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When will these bank personal loan calculators come in use?

The best time to use a bank calculator is when you’re planning to apply for a personal loan. As well as telling you whether you can afford the loan and how much your repayments will be, bank calculators also offer the following benefits:

  • Save time. All these calculators are located conveniently online and can be accessed quickly.
  • Enjoy the flexibility. As you can alter the loan variables, you can design a loan that fits within your budget and personal preferences.
  • Ease of application. Calculate your loan and then apply straight afterwards.
  • Know what you're applying for. You're in control of what you input in the calculator so you'll ultimately know what you'll be applying for.

Personal loan calculator

If you're not sure what lender you want to apply with, or have a few loan options to compare, has a great personal loan calculator to help you narrow down on your options. Not only will this calculator show you the repayments for any type of personal loan, it also allows you to compare loans from a variety of different lenders. Just enter the loan amount and the term and it will show you the loans offered by different lenders. You can then compare everything from interest rates and fees to repayment amounts, all conveniently displayed on the one page.

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What personal loans do these banks offer?

Society One

  • Society One Personal loans. Borrow up to $50,000 at fixed rates from 7.5% p.a. for borrowers with good credit ratings. Flexible terms of 2 to 5 years are available, as is the choice of fortnightly or monthly repayments. Society One loans come with no establishment fees and no monthly or early exit fees.

The benefits of Society One and peer-to-peer lending


  • Secured Personal Loan. Borrowers have a choice of a fixed rate from 8.49% p.a. or a variable rate from 12.74% p.a. As it's a secured loan you'll need to attach an asset to this loan, which can be taken out for a period of between 1 to 7 years
  • Unsecured Personal Loan. The unsecured personal loan from St.George also comes with a choice of a fixed rate, from 12.99% p.a. or a variable rate, from 12.99% p.a. The choice doesn't stop there, with terms of between 1 to 7 years being available. The loan also comes with a redraw facility on the variable interest rate option.
  • Get Set Loan. A personal loan, Visa debit card and cheque account all in one, this loan comes with a variable interest rate of 17% p.a. and no set repayment term. Borrowers can also enjoy no expiry date and interest paid only on the outstanding balance.

What does St.George have to offer?


  • Flexi Loan. Borrow between $4,000 and $50,000 as a revolving line of credit. You'll repay a variable interest rate of 16.49% p.a. only on the outstanding balance. The account comes with no additional withdrawal fees as well as no early repayment or exit fees.
  • Unsecured Personal Loan. Take out an unsecured loan for a period of between 1 to 7 years and repay it at a competitive fixed rate of 12.99% p.a. You're able to borrow between $4,000 and $50,000
  • Car loan. Looking to finance a vehicle? Enjoy flexible loan amounts up to $100,000 as well as a competitive fixed rate of 8.49% p.a. Terms of between 1 to 7 years are available.

A bank calculator is a great way to work out what to borrow and what repayments you can afford. Before you click that 'apply' button, use a personal loan calculator to find out if it's the best option for you. The rates shown in screenshots were correct at the time of writing and my change over time. Please check with each bank before applying for any personal finance products.

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Personal Loan Offers

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 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.

Logo for NOW FINANCE Personal Loans
NOW FINANCE Personal Loans

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.

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