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Personal loan repayment calculator – cause we all hate maths.

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

$
years
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1 - 10 of 164
Product Interest Rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
NOW Finance No Fee Unsecured Personal Loan
Finder AwardFixed18 Months - 7 Years $5,000 - $50,000
NOW Finance logo
Interest Rate (p.a.)
6.45%
to 26.95%
Comp. Rate (p.a.)
6.45%
to 26.95%
Application Fee
$0
Monthly Fee
$0
Monthly Repayment
$612.52
Harmoney Unsecured Personal Loan
Fixed3 - 7 Years $2,000 - $100,000
Harmoney logo
Interest Rate (p.a.)
5.76%
to 24.03%
Comp. Rate (p.a.)
6.55%
to 24.98%
Application Fee
$275 - $575
Monthly Fee
$0
Monthly Repayment
$623.70
Receive competitive interest rates tailored to your personal circumstances, repay the loan early without incurring an early repayment fee, and enjoy no monthly or annual fees.
OurMoneyMarket logo
Interest Rate (p.a.)
6.57%
to 18.99%
Comp. Rate (p.a.)
7.19%
to 21.78%
Application Fee
1.50% - 6%
min. $250
Monthly Fee
$0
Monthly Repayment
$627.42
Applicants with an Equifax credit score of 500 or above and an annual income of more than $25k are eligible. No ongoing 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.
MoneyPlace Unsecured Personal Loan
Fixed3 - 7 Years $5,000 - $80,000
MoneyPlace logo
Interest Rate (p.a.)
6.55%
to 19.99%
Comp. Rate (p.a.)
6.55%
to 21.49%
Application Fee
0% - 5.50%
Monthly Fee
$0
Monthly Repayment
$642.57
MONEYME Personal Loans
Variable3 - 7 Years $5,000 - $50,000
MONEYME logo
Interest Rate (p.a.)
5.99%
to 24.49%
Comp. Rate (p.a.)
6.70%
to 25.90%
Application Fee
$0 - $495
Monthly Fee
$10
Monthly Repayment
$633.40
Latitude Variable Rate Personal Loan
Variable2 - 7 Years $5,000 - $100,000
Latitude Financial Services logo
Interest Rate (p.a.)
9.49%
to 29.99%
Comp. Rate (p.a.)
10.93%
to 31.38%
Application Fee
$0
Monthly Fee
$13
Monthly Repayment
$653.57
Special offer: The $395 establishment fee is waived for approved personal loan applications. Latitude may withdraw the offer at any time. T&Cs apply.
Great Southern Bank logo
Interest Rate (p.a.)
7.99%
to 19.99%
Comp. Rate (p.a.)
7.99%
to 19.99%
Application Fee
$0
Monthly Fee
$0
Monthly Repayment
$626.64
Special Offer: Pay $0 establishment fee when you apply for a personal loan. The $225 establishment fee will be waived for personal loan applications. This offer is for new and existing customers who apply between 30 April 2025 and 30 June 2025.
NAB Personal Loan Unsecured Fixed
Fixed1 - 7 Years $5,000 - $55,000
NAB logo
Interest Rate (p.a.)
7.49%
to 20.49%
Comp. Rate (p.a.)
8.53%
to 21.38%
Application Fee
$0
Monthly Fee
$15
Monthly Repayment
$637.03
Special Offer: For a limited time NAB is waiving the $250 application fee when you apply for a NAB Unsecured Personal Loan. Offer valid from 6 March to 31 May 2025. Other fees and charges still apply.
OurMoneyMarket Home Improvement Loan
Fixed1 - 7 Years $5,000 - $100,000
OurMoneyMarket logo
Interest Rate (p.a.)
6.57%
to 18.99%
Comp. Rate (p.a.)
7.19%
to 21.78%
Application Fee
1.50% - 6%
min. $250
Monthly Fee
$0
Monthly Repayment
$627.42
NAB Personal Loan Unsecured Variable Rate
Variable1 - 7 Years $5,000 - $55,000
NAB logo
Interest Rate (p.a.)
7.49%
to 20.49%
Comp. Rate (p.a.)
8.53%
to 21.38%
Application Fee
$0
Monthly Fee
$15
Monthly Repayment
$637.03
Special Offer: For a limited time NAB is waiving the $250 application fee when you apply for a NAB Unsecured Personal Loan. Offer valid from 6 March to 31 May 2025. Other fees and charges still apply.
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Looking for a flexible alternative to a personal loan?

Promoted

Need ongoing access to funds? Consider Citi Ready Credit

Citi Ready Credit offers a flexible credit line with limits of up to $75,000. You only pay interest on the money you spend.
  • Line of credit rate: 22.49% p.a.
  • Introductory balance transfer rate: 6.9% p.a. for the first 3 years on your initial balance transfer (if you request within 3 months of approval; reverts to standard variable rate of 22.49% p.a. after that)
This product is provided by National Australia Bank Limited, using certain trademarks temporarily under licence from Citigroup Inc.

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:
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

Senior Money Writer

Rebecca Pike is Finder’s senior money writer, with over 10 years of experience in mortgages and personal finance. A frequent TV and radio commentator, she frequently appears on Sunrise, A Current Affair, 9News, and Sky News, and contributes expert analysis to publications like Yahoo Finance and The Latch. 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 229 Finder guides across topics including:
  • Home loans
  • Cost of living
  • Budgeting

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4 Responses

    Default Gravatar
    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

      AvatarFinder
      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.

    Default Gravatar
    minaAugust 30, 2019

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

      Default Gravatar
      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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