Personal Loan Calculator
I would like to borrow
$5,000
$and pay it back over
17 months
$159.53
estimated
Estimated repayments starting from
Done in 8 mins
18 people
have applied today

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.
Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.
I would like to borrow
$1000
and pay it back over
17 months
With an interest rate of
Total Repay
$10,529
Loan Amount
$2,000
Interest
$215
Estimated repayments
Weekly
$21
Fortnightly
$42
Monthly
$92
*The repayments shown by our personal loan repayment calculator is an estimate based on the information you provided. Actual repayment amounts may vary depending on your individual circumstances.
Based on a $2,000
Jacaranda personal loan:
$62 monthly
Interest Rate
7.56%
up to 8.89%
Comparison Rate
11.10%
up to 12.42%
$64 monthly
Interest Rate
9.89%
up to 11.89%
Comparison Rate
16.49%
up to 18.57%
How to use Jacaranda’s personal loan calculator
1. Enter the amount you’d like to borrow
Type in the amount of money you’d like to borrow with a personal loan. You can play around with different amounts to see how your repayments might change.
2. Select your loan term
This is the length of time that you’ll have to repay the borrowed amount.
3. Choose your preferred interest rate
The interest rate is a percentage of the amount borrowed that you will have to pay back on top of your loan. It is essentially a fee that you are charged for borrowing the money. The lower your interest rate is, the more affordable the loan is.
4. Get your estimated repayments
Once you’ve input your preferred loan amount, term, and interest rate, our calculator will generate an estimated repayment amount for the course of your loan. While this is only an estimate, having an idea of how much you’ll be repaying can be handy when structuring your budget.
1. Enter the amount you’d like to borrow
Type in the amount of money you’d like to borrow with a personal loan. You can play around with different amounts to see how your repayments might change.
2. Select your loan term
This is the length of time that you’ll have to repay the borrowed amount.
3. Choose your preferred interest rate
The interest rate is a percentage of the amount borrowed that you will have to pay back on top of your loan. It is essentially a fee that you are charged for borrowing the money. The lower your interest rate is, the more affordable the loan is.
4. Get your estimated repayments
Once you’ve input your preferred loan amount, term, and interest rate, our calculator will generate an estimated repayment amount for the course of your loan. While this is only an estimate, having an idea of how much you’ll be repaying can be handy when structuring your budget.
What factors should I consider when looking for a personal loan?
A personal loan calculator can help you calculate your weekly, fortnightly, or monthly repayments. However, the overall cost of your loan depends on a number of different factors like interest rates and fees.
The interest rate you receive on your personal loan varies depending on a number of factors. If you have a good credit score, you will most likely have access to lower interest rates. This is largely due to the fact you’re considered less risky to the lender. Interest rates are also largely based on the amount you apply for. Small, medium, and large personal loans all have different terms and rates of interest.
Personal loans will often have fees attached to them. Some lenders will charge the following fees on their personal loans:
- Establishment/application fee: A fee charged to your account when you take out a personal loan. It is taken out at the beginning of your loan.
- Ongoing fees: Your lender may charge ongoing fees, such as a monthly service fee.
- Late/missed repayment fees: These are fees charged to your loan if you are late or miss a repayment.
- Early repayment/exit fees: This is a fee charged for paying off your loan before the loan term ends.
Before committing to a personal loan, you should check if you can comfortably fit the regular loan repayments in your budget. Making higher repayments means you’ll pay off your loan quicker and you’ll likely be charged less interest. Most lenders will give you the option of choosing between weekly, fortnightly, and monthly repayments.
A secured loan requires you to attach an asset to your loan as collateral (such as a car, boat, or house). This is to reduce the level of risk that lenders take on when providing you with a loan. Secured loans also often come with lower interest rates due to this reduced risk. Unsecured loans on the other hand don’t require you to provide any collateral. These loans are usually for smaller amounts of money to compensate for the increased risk that the lenders take on.
Need a hand?
24hr loan processing.
Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, if you need some help navigating what the best loan is for you, our friendly team is more than happy to answer any questions you may have.
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Last updated: 03/05/2022
Super easy and fast system, applying was seamless and money was instant!
Shaan Johari – GOOGLE REVIEW
Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
naomie falconer – GOOGLE REVIEW
Brilliant service and quick action during application process the best there can be when it comes to quick loans.
Nathan Ross – GOOGLE REVIEW
It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much.
Dianita Miguel – GOOGLE REVIEW
Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
Jim Mccullough – GOOGLE REVIEW
Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you.