Our calculator will estimate your repayments based on the bank's representative rate* and your selected loan amount, loan term and loan type. It will estimate your cost savings based on the information you have told us.

We'll assume you've provided accurate and full information about your existing debts, and considered all fees and interest. If you’re not sure, check your loan documents.

Where we describe cost savings (e.g. ‘savings on repayments’ or ‘total savings over the life of your loan’) these are estimates only – and not guaranteed. To understand how we calculate savings, see ‘Details of how you could save’.

If there are any interest savings or expenses, these haven’t been included (unless stated). Keep in mind, any costs, such as interest expenses, could be significant. For example, consolidating debt may reduce your repayments – but you could incur more interest over a longer term.

Calculations are not a quote or pre-approval. Your actual interest rate and repayment amount will depend on a range of factors including the information you provide and our assessment of your application. We'll tell you your actual interest rate and repayment amount if we approve your application. You can then decide whether to accept our offer.

Terms and conditions, fees and charges and credit criteria apply.

Our interest rates

Our interest rates (including comparison rates) are set out below:

Unsecured Fixed Rate Personal Loan

Unsecured Fixed Rate Personal Loan interest rate ranges and the representative rate are set out below. Comparison rates and examples are based on a $30,000 unsecured fixed rate loan over 5 years:

Interest rates range from 8.50%^¹ p.a. to 20.50% p.a. (comparison rate from 9.53% p.a. to 21.39% p.a.). The estimated total amount payable including fees is between $37,830 and $49,091
The representative rate is 16.00%* p.a. (16.94% p.a. comparison rate), based on this representative rate the estimated total amount payable including fees is $44,673

Unsecured Variable Rate Personal Loan

Unsecured Variable Rate Personal Loan interest rate ranges and the representative rate are set out below. Comparison rates and examples are based on a $30,000 unsecured variable rate loan over 5 years:

Interest rates range from 8.50%^¹ p.a. to 20.50% p.a. (comparison rate from 9.89% p.a. to 21.79% p.a.). The estimated total amount payable including fees is between $38,080and $49,341
The representative rate is 16.00%* p.a. (17.32% p.a. comparison rate, based on this representative rate the estimated total amount payable including fees is $44,923

Secured Personal Loan

Secured Personal Loan interest rate ranges and the representative rates are set out below. Comparison rates and examples are based on a $30,000 secured loan over 5 years:

Interest rates range from 6.99%^¹ p.a. to 13.49% p.a. (comparison rate from 8.40% p.a. to 14.83% p.a.). The estimated total amount payable including fees is between $36,784 and $42,558
The representative rate is 8.99%* p.a. (10.38% p.a. comparison rate), based on this representative rate the estimated total amount payable including fees is $38,506

^{^1} Interest rates at the lower end of our range, for example 8.50%/8.50%/6.99% p.a. (comparison rate 9.89%/9.53%/8.40% p.a.), may be offered to customers with an excellent credit history.

An excellent credit history is determined by, among other things, paying your bills and making loan repayments on or ahead of time, being disciplined with your credit applications, and not overextending yourself financially.

Actions which can negatively impact your credit history include missing bill or loan repayments, defaulting on your credit facility, or making a large number of credit applications in a short period of time. You can find out more about how your credit score is calculated and tips for improving your credit score at our Credit Score Information Hub.

${userInterestBlurb}

*Representative rate

At least half of our customers will receive the representative rate or lower. It may not be the actual rate you receive.

**Comparison rates

Comparison rates and examples are based on a $30,000 unsecured personal loan over 5 years and a $30,000 secured loan over 5 years.

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.