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Loan Calculator

How Much?

$3200

$500 $10,000

How Long?

12 Months

6 months 36 months

Interest rate

19.9%

Total repayment

$3,871

Comparison rate from p.a.

44.2%

Min weekly repayment $72.48

*Includes an interest rate of XX.XX% (Comparison Rate of XX.XX%). All prices are indicative and applications are subject to assessment. Fees and charges are payable. The Comparison Rate is based on an unsecured personal loan of $2,500 for a term of 2 years. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Loan Rates

If you’re looking for a personal loan, we understand you’d like to know what the expected costs are, before you go forward.

We have one of the best ranges of personal loans from $500 up to $10,000. We’ve tried to keep it as clear as possible for you, so here are the basics to get started!

Our Personal Loan Range

	SMALL Amount Loans	MEDIUM Amount Loans	LARGE Amount Loans
Loan Amounts	$500 - $2,000	$2,050 - $5,000	$5,050 - $10,000
Average Term	3 – 12 months	7 – 19 months	14 – 24 months
Typical Establishment Fee	$60 – $400	$437 – $771	$546 – $795
Monthly Fee	$15 – $80	$10 - $14	$9 - $14
Interest Rate Per Annum (APR) *	N/A	23.31% - 29.90%	21.90% - 25.90%
Comparison Rate **	N/A	51.26% - 65.88%	28.71% - 33.80%

*For our loans of $300 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above $2,000 maximum APR is 48%.
**All prices are indicative for an unsecured personal loan and fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Think of it like this. The lower a person’s credit rating (or score) is, generally means that person is considered more of a risk to lend to, so they could be knocked back, or offered a smaller amount and/or a higher interest rate.

Below is a simple guide that looks at credit ratings for New Customers. It shows what you could expect in terms of interest rate and loan amount. (It is only a guide because it does not look at your affordability). For more information about our loyalty discounts check out our Mates Rates page.

Good Credit	OK Credit	Poor Credit
Indicative credit bureau Score 600 +	Indicative credit bureau Score 400 – 600	Indicative credit bureau Score 0 – 400
Interest Rate From 21.9%	Interest Rate From 23.9%	Interest Rate From 29.9%
Comparison Rate 23.55%	Comparison Rate 30.05%	Comparison Rate 53.12%
Typical Personal Loan Amount Up to $10,000	Typical Personal Loan Amount Up to $7,000	Typical Personal Loan Amount Up to $5,000

* This comparison rate is based on a $10,000 loan over 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.

** This comparison rate is based on a $2,500 loan over 2 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.

To find out more about credit scores watch this video.

Now that you know how your credit rating may influence the loan amount and interest rate, let’s look at the different loan sizes we have to help you move forward! Let’s see what the expected costs will be for each, after all, that’s why you’re here!

We’ve broken them up into three groups, which are;

	SMALL Amount Loans	MEDIUM Amount Loans	LARGE Amount Loans
Loan Amounts	$500 - $2,000	$2,050 - $5,000	$5,050 - $10,000
Average Term	3 – 12 months	7 – 19 months	14 – 24 months
Typical Establishment Fee	$60 – $400	$437 – $771	$546 – $795
Monthly Fee	$15 – $80	$10 - $14	$9 - $14
Interest Rate Per Annum (APR) *	N/A	23.31% - 29.90%	21.90% - 25.90%
Comparison Rate **	N/A	51.26% - 65.88%	28.71% - 33.80%