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Work out your repayment amount. Get an estimate of what your personal or car loan repayments might be with our personal loan repayment calculator. It’s super quick and easy to use – just choose your loan type, enter your preferred loan amount and term, and our calculator will give you an estimate of what you could be paying monthly, fortnightly, or weekly. You can even switch up the interest rate or loan term to see how changes can change your repayments.

How to use our personal loan repayments calculator

Choose your loan type (select secured if you’re buying a car that’s no more than seven years old, otherwise choose unsecured), the amount you’re wanting to borrow, and a loan term of up to seven years, and voila! We’ll do the maths for you and let you know what your repayments could be, as well as how much interest you’ll pay over the life of your loan. You can even switch up factors like the interest rate and term to see how small changes can affect the overall picture.

Want to explore ways to pay off your personal loan faster? Select the 'extra repayments' option and enter an amount to see how adding lump sums or regular extra payments can shorten the life of your loan. You might be surprised how far that little bit extra can go!

Other helpful calculators

Planning a budget for yourself, or estimating what you’ll pay in income tax based on how much you earn? We have a range of handy calculators that do the maths, so that you don’t have to.  

Savings and term deposit calculator

You could be closer to your savings goals than you realise! Find out how much interest you could earn or see how making regular deposits can build your savings.

Budget planner calculator

Having a budget in place can help you stay on track with your savings goals, and it’s simple to create one using this nifty calculator.

What's the personal loan application process like?

Apply for your loan online

You can even upload your ID and supporting documents with our loan application portal, Loan Tracker.

Assessment and approval

You’ll get an instant response, and we’ll get in touch if we have any questions or require any more information.

Sign on the dotted line

It’s time to sign your loan contract. We can send your contract electronically, or you can sign it at your local branch.

Your loan is funded!

In other words, you’ve got your money. Set up your repayments online and make the most of the flexible options.

We're here to help

Whether you’re ready to apply for a personal loan or still have some questions you’d like answered, we’ve got you covered!  

Apply for a personal loan

You can quickly and easily apply for a personal loan online. But if you’d rather apply in person, that's fine too. Pop into one of our branches and we’ll be happy to help!

Request a callback

Are you after more information? One of our experienced personal lending specialists will get in touch with you to answer all your personal loan questions.

Your loan repayment questions answered

With a fixed rate personal loan, your interest rate remains the same for the entire loan term - from the time you apply until you pay the loan off. As your repayments on a fixed rate personal loan won't change, it's easier to budget with confidence. We only offer fixed rate personal loans.
On the other hand, the interest rate on a variable rate personal loan is subject to changes based on the Reserve Bank of Australia's (RBA) cash rate adjustments, or as decided by the lender.

A secured personal loan is where your loan is secured by a motor vehicle that is less that 7 years old. So, you might use the car you’re buying as security for your car loan, or you might use a car that you already own, to secure a personal loan for a well deserved holiday. Secured personal loans are often offered at a lower interest rate.
On the other hand an unsecured personal loan doesn’t require any security.

You can repay your personal loan faster by increasing your regular repayments, or just making one-off or lump sum payments when your can afford to do it.
Use our Personal Loan Repayment Calculator to explore ways to pay off your loan sooner and learn how much money you could save in future interest payments.

A loan's comparison rate is made up of the standard interest rate as well as any fees and charges associated with the loan. This helps you to know the true cost of a loan so you can compare loans accurately and make informed decisions when using comparison sites or considering different loan.

Find out how the comparison rate is calculated.

Important information

Banking and Credit products issued by Police & Nurses Limited (P&N Bank).

Any information on this website is general and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms & conditions, fees & charges apply.

The results from this calculator should be used as an indication only. Figures provided are for illustrative purposes only and are based on the information provided. The calculations do not take into account any product features or fees and charges that may be charged to your loan. Results do not represent a quote or pre qualification for a loan. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change. Lending criteria applies to the approval of credit products. Terms and conditions apply and are available on request. Fees and charges are payable.

Calculator by Widget Works

Please consider the terms and conditions and whether a product is right for you.

*Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. Rates quoted may vary depending on loan purpose and security offered.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.