Personal Loan repayment calculator

Personal Loan repayment calculator

Note that other fees and charges associated with a Latitude Financial Services personal loan are not included in the calculation below

Your Loan Details


From 12.99% (Comparison rate 14.20%^)1 applies to secured loans of $10,000 or more.

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Min. per month*

(Excludes fees)

Total over the life of the loan

Principal Amount


Interest Charged



Loan Service $13.00 per month
Establishment fee $140 or $250 (once off)

Extra Repayments

Increased monthly repayments Interest Saved Loan term with extra repayments Time saved

An early termination fee may apply.

See Fees.

- - - -
Increased monthly repayments Interest Saved
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Loan term with extra repayments Time saved

An early termination fee may apply.

See Fees.

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Important Information

*Note: The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you consult your financial adviser before taking out a loan.

^Based on a unsecured loan of $30,000 over 5 years.

1Approved customers only. All applications are subject to lending and approval criteria. This offer is only available for new loans and is not available to existing Latitude Financial Services Personal Loan customers.

The comparison rates range from 14.20% to 32.13% (secured) and 15.20% to 36.08% (unsecured). Loans are based on a loan of $30,000 over 5 years.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Credit provided by Latitude Personal Finance Pty Ltd ABN 54 008 443 810. Australian Credit Licence number 392163.

An example based on a secured personal loan of $30,000 borrowed for 5 years with the minimum interest rate of 12.99% p.a. (14.20% p.a. comparison rate), would equate to a total amount payable of $42,068 (including a $250 establishment fee and $13 monthly loan servicing fees).

Secured and unsecured personal loan repayment terms range from 2 to 7 years.

This calculator should only be used as a guide to see how personal loan repayments can vary when you change the loan amount, interest rate, and loan term.

Calculator Assumptions
This information outlines how the calculator determines the interest and repayment amounts compared with the reality of how a Latitude Financial Services personal loan establishes these amounts.

Length of Month
The calculator assumes all months are of equal length. However given some months are longer than others and interest is accrued on a daily basis, the interest charged on a personal loan will vary depending on the number of days in the month.

Number of Weeks and Fortnights in a Year
The calculator and a Latitude Financial Services personal loan assumes one year contains exactly 52 weeks or 26 fortnights, based on 364 days a year, rather than the actual 365 or 366 days in a year.

Rounding of Repayment Amounts
The personal loan calculator uses the unrounded repayment amount as this creates a smooth line for the graph. In reality, with a personal loan the repayments are rounded to at least the nearer cent.