Important disclosure

Personal loan repayment calculator for Australian lenders

Compare personal loans from trusted Australian lenders. Narrow your search results by using the filters below to increase or decrease your term and loan amount. Want more granular results? Use the “Filter Results” menu to select the product features most important to you. For each product listed below, you can view comprehensive information by clicking “View fees & additional info+”.

Terms from 1 to 10 years. Representative example: 3 year $10,000 loan with comparison rates from 6.55% to 20.89% would cost between $11,387 and $14,165 including fees.

Does your budget have extra room for a personal loan? BestFind’s personal loan calculator helps you work out how much credit to take on board and the cost per month.

How does the personal loan calculator work?

  • Enter your loan amount. Explore your borrowing capacity by inputting different values. Moving the slider towards the upper range means your repayments will cost more over the same loan term.
  • Choose your loan term. Taking longer to pay off debt helps to keep your cash flow smooth. But, your loan’s total cost will likely be higher due to interest piling up. On the other hand, a shorter loan term means you offload the debt sooner while sacrificing a bigger chunk of your budget to higher repayments.
  • Calculate your repayments. When you scroll down, you can view the results in our comparisons table. Compare the available offers and look for the most competitive option that suits your needs.

BestFind’s calculator only displays estimated monthly repayments. Other factors like fees, charges, and variable interest rates may also affect the size of your repayments. Keep in mind the information provided does not guarantee loan approval. Neither should it be taken as recommendations or financial advice in any form.


Calculate personal loan repayments

Loan Amount

$10,000

Term

3 months

Plenti

Unsecured Personal Loan - Exceptional Credit

EST Monthly Repayment
EST Monthly Repayment
6.57%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
OurMoneyMarket

Low-Rate Personal Loan - Excellent Credit - Zero Fee

EST Monthly Repayment
EST Monthly Repayment
6.57%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Now Finance

NOW Finance Unsecured No Fee Personal Loan

EST Monthly Repayment
EST Monthly Repayment
6.75%
Advert. Rate (p.a)
Comparison rate
Pay ZERO fees on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. Comparison rate can vary from 6.75% to 26.95% p.a.*
Liberty

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
7.24%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Secured) - Very Good

EST Monthly Repayment
EST Monthly Repayment
6.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Unsecured) - Good

EST Monthly Repayment
EST Monthly Repayment
7.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Harmoney

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
5.76%
Advert. Rate (p.a)
Comparison rate
Get what you want, without breaking the bank. Fast, easy & 100% online. Borrow up to $70,000 unsecured. No hidden fees or early repayment penalties. Harmoney's unsecured interest rates range from 5.76% p.a. to 24.03% p.a.
NRMA

NRMA New Car Loan (Credit Score +832)

EST Monthly Repayment
EST Monthly Repayment
7.29%
Advert. Rate (p.a)
Comparison rate
There's nothing quite like the thrill of buying a car, but one of the biggest challenges is finance. Ideally you'll want a car loan that offers flexibility and a low competitive rate, and is easy to apply for.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Unsecured) - Average

EST Monthly Repayment
EST Monthly Repayment
8.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Liberty

Secured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
6.52%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.
NRMA

NRMA Used Car Loan (Credit Score +832)

EST Monthly Repayment
EST Monthly Repayment
8.49%
Advert. Rate (p.a)
Comparison rate
NRMA used car loans can help you get one step closer to owning your dream pre-loved car.
Plenti

Plenti - Personal Loan - Very Good Credit

EST Monthly Repayment
EST Monthly Repayment
12.49%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
Liberty

Secured Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
10.34%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.
Liberty

Unsecured Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
11.49%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.
Bankwest

Flexible Personal Loan

EST Monthly Repayment
EST Monthly Repayment
10.99%
Advert. Rate (p.a)
Comparison rate
Whatever it is you’re dreaming about, a Bankwest Flexible Personal Loan puts you in control. Pay it off early, make additional repayments and redraw additional repayments you’ve made all at no extra cost!
St.George Bank

Unsecured Personal Loan (Fixed)

EST Monthly Repayment
EST Monthly Repayment
12.99%
Advert. Rate (p.a)
Comparison rate
Whether you're taking control of your finances, planning a special event, or making a large purchase, our Unsecured Personal Loan may be the right solution.
St.George Bank

Unsecured Personal Loan (Variable)

EST Monthly Repayment
EST Monthly Repayment
12.99%
Advert. Rate (p.a)
Comparison rate
Whether you're taking control of your finances, planning a special event, or making a large purchase, our Unsecured Personal Loan may be the right solution.
Westpac

Westpac Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
11.99%
Advert. Rate (p.a)
Comparison rate
A personal loan can help you to get what you’ve always wanted. Plan ahead with a flexible loan term of between 1 and 7 years. Apply for between $4,000 and $50,000 (conditions apply). Make extra repayments to pay your loan off sooner (prepayment fee may apply). Choose a repayment frequency to suit when you get paid - weekly, fortnightly or monthly.
NAB

NAB Variable Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
1-7 years flexible loan term, borrow from $5,000 up to $55,000 and redraw additional repayments you've already made
NAB

NAB Fixed Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 up to $55,000 for 1 to 7 years flexible loan terms
Wisr

Platinum Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
11.40%
Advert. Rate (p.a)
Comparison rate
Wisr provide personalised low rates for applicants with good credit. Borrow between $5,000 and $50,000 with transparent terms and easy online application.
People's Choice Credit Union

Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
13.99%
Advert. Rate (p.a)
Comparison rate
As a member owned organisation, our first priority is to help you. We continually focus on providing high levels of personalised service and value for money products – such as our Personal Loans– there to help you make those life-changing purchases.
Plenti

Plenti - Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
14.99%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
The Mac

Personal Loan Unsecured

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
Whether you're dreaming of far away destinations or of revolutionising the world with your next big invention, our Unsecured Personal Loans are a flexible and simple solution from an ethical and trusted team.
Arab Bank

Unsecured Personal Loan - Variable

EST Monthly Repayment
EST Monthly Repayment
15.60%
Advert. Rate (p.a)
Comparison rate
You can use your personal loan for things like purchasing a new car, consolidating your debts, renovating your home, paying for university studies or to go on your dream holiday!

BestFind.com.au provides factual information in relation to financial products. While BestFind.com.au attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on BestFind.com.au is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with BestFind.com.au. BestFind.com.au recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see BestFind.com.au's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

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What type of loan are you looking for?

How do I benefit from using the personal loan repayment calculator?

At times borrowing money is the best means to an end. Your goal might be an exotic holiday trip or a home renovation worthy of a magazine. In any case, our calculator empowers you to make a smart and informed decision. Here’s how:

  • It’s a loan comparison tool. Want to see which personal loan is kinder on your monthly budget? Compare different offers using the same loan term and amount. Apply the filter to make sure you are comparing similar loan types. For instance, look at unsecured personal loans first before cross-checking your findings with those for secured loans.
  • You can refine your final decision. Once you have a potential winner, it’s easier to work out the finer details before you apply. You may want to tweak your loan amount or term to single out the best repayment amount. Considering different loan scenarios in this way won’t harm your credit score, so click the “Calculate Repayment” button as much as you’d like.

Can I use the calculator for all personal loan types?

Personal loans have an impressive range of features suitable for all situations. Whether you are a student, entrepreneur, Uber driver, or self-employed, our personal loan calculator mirrors this flexibility. Here are a few examples where familiarity with your repayments comes in handy:

  • Buying a car – Driving a car while paying it off on the go can be incredibly convenient. But, only if you choose affordable repayments and a payment plan that aligns with your income flow and expenses.
  • Consolidating debt – Dealing with several loan repayments every month can be a hassle, and choosing a debt consolidation loan might be the life pro-tip you need for better debt management. Our calculator helps to show if this move is worth it and whether there are any interest savings in store for you.
  • Medical bills – Emergencies don’t always knock on the door to announce themselves, but you can still do some damage control. Use the calculator to choose a repayment that doesn’t leave you struggling after an unforeseen medical expense.
  • Wedding – Planning for an extravagant affair but not sure how far your budget stretches? Try a longer loan term or lower the loan amount until the calculator comes up with a favourable solution.
  • General-purpose – Personal circumstances are unique, and making a selection from the pool of secured and unsecured loans might be challenging. Luckily, you can use the personal loan repayment calculator to find a product that closely matches your needs.

What other factors should I consider when comparing personal loans?

You’re off to a great start when you can answer the question: what is the estimated cost for my monthly repayments? Next, consider extending your personal loans comparison to cover the following factors for even better, tailored results:

  • Interest rates – Interest rates have fixed or variable options. They can also vary depending on whether you have bad, average, good or excellent credit. In any case, go for the lowest available rate, but only after confirming you’re getting the best deal on all sides.
  • Comparison rate – The comparison rate does a much better job than the advertised rate when it comes to indicating your loan’s total cost. It ropes in the interest rate together with associated loan charges, so it’s easier to avoid low-interest offers that have hefty charges and considerable establishment fees behind them.
  • Repayment flexibility – Finding a loan that allows you to make early repayments can also make the repayment process more comfortable. Some lenders offer a redraw facility that enables you to cash out those extra repayments if you’re in a tight spot. Ideally, there should be no redraw fees or early payment fees involved.

Personal loan calculator FAQ

When using the calculator, how much can I borrow and for how long?

Loan amounts range between $1,000 and $100,000. You can repay the borrowed money over one to ten years, but personal loans generally have maximum terms of 5 years.

Will my monthly repayments cost more if I choose an unsecured personal loan?

Unsecured loans carry more risk and higher interest rates compared to secured loans. Because the lender can’t claim your assets when you default, your repayment will likely cost more.

Does a variable rate personal loan have cheaper monthly repayments?

Your repayment amount may go up and down if you choose a variable rate. If you wish to lock in a lower rate with consistent repayments, consider a fixed rate personal loan.

How do I apply after using the loan calculator?

Click the appropriate “Go to Site” button in the comparison tables above and link through to your preferred lender’s website.

Popular personal loans searches

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