Rates from 7.95% p.a.*

Loan repayment calculator

Plan your purchase or passion project - adjust amounts and preview repayments with our quick indicative loan repayments calculator. Loans from $3,000 to $100,000, with fixed rates from 7.95% to 29.95% p.a.* 

Approval is subject to responsible lending inquiries.

Compare options

Adjust Amount, Term & Rate to See Costs

Curious what repayments might look like? Use the sliders to set a loan amount, term, and interest rate, and we’ll estimate weekly, fortnightly, monthly, and total repayments. It’s a guide only - actual rates, fees, and repayments depend on your application and assessment. See the Loan Information section for details.

Loan repayment calculator

Borrow from $3,000 to $100,000 over 12 to 84 months. See what your repayments could look like. 

$15,000
48 months
12.95%

Loan calculator

$98

Weekly Repayments

$424

Monthly Repayments

$20,352

Total Amount Repayable

The repayment amounts shown include Establishment and Introducer fees totalling $820. These fees are examples only and they exclude ongoing fees. The actual fees charged may vary based on your circumstances and the chosen lender. For more about lender fees, click here.

Why is better finance™ the right choice for you?

Personal Loan Experts

Personal Loan Experts

You'll talk to a real person, not a script - straight answers, no jargon from our Kiwi advisers.

Many Lenders

Many Lenders

Apply once for multiple options - we've helped over 60,000 Kiwis find a suitable lender from our panel.

Fast & Responsive

Fast & Responsive

We'll be in touch within minutes, and once approved your money could be paid out in 24 hours. 

Loan Information

Fixed interest rates for vehicle loans range from 7.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 84-month loan term. Fixed interest rates for personal loans range from 9.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 84-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required and the security provided.


Fees apply, including an establishment fee of up to $350 and an introducer fee of up to $995. Also, lenders may charge a PPSR fee of between $0 and $14. For example: On a loan of $10,000 over 24 months at 9.95% p.a. with Establishment and Introducer fees totalling $495 and a PPSR Fee of $7.39, the total amount to repay is $11,627 which is 24 monthly payments of $485. Those amounts don't include ongoing fees, such as Service Fees, charged by the lender. You can find full fee information in the loan contract. We recommend that you check the fees before accepting the loan offer. See more about lender fees here.


Approval is subject to meeting lending criteria, and affordability test applies.