Personal Loan Calculators
Personal Loan Calculators
Free personal loan calculators: monthly repayments, borrowing power, extra payment savings, and fixed vs variable rate comparison.
Market Rate Explorer
Filter public CDR personal-loan rates
Open calculatorRepayment Calculator
Personal loan repayments
Open calculatorExtra Repayments
Pay off faster
Open calculatorFixed vs Variable
Rate type comparison
Open calculatorBorrowing Power
How much can you borrow
Open calculatorCommon questions
What is a typical personal loan rate in Australia?
Personal loan rates range from 6% to 15% depending on whether the loan is secured or unsecured, your credit score, and the lender. Secured loans (backed by a car or asset) are cheaper.
Fixed vs variable — which is better?
Fixed rates give certainty — your repayment never changes. Variable rates can be cheaper initially and often allow free extra repayments. Choose fixed if you value predictability; variable if you want flexibility.
Are these tools free?
Yes, all calculators are 100% free with no signup required.