Personal Loan Repayment Calculator in Adelaide
Planning a new car, home upgrade, or business investment? Our loan repayment calculator helps you estimate repayments in seconds. Whether it’s a car loan, motorbike loan, caravan finance, or a commercial deal, you’ll see what fits your budget. At Fintell Finance, we make borrowing simpler and stress-free. Try the calculator below.
How this Loan Repayment Calculator Works
Our loan repayment calculator gives you a clear picture of what to expect before applying. You enter the loan amount, term, and interest rate. The calculator then estimates your weekly, fortnightly, or monthly repayments.
The loan calculator uses a simple amortisation formula:
Repayment = [P × r(1+r)ⁿ] / [(1+r)ⁿ – 1]
Where:
P = loan amount, r = rate per period, n = number of periods.
For example, with $30,000 over 5 years at 5.95%, the interest rate per week is 0.00114 (5.95 ÷ 52). Plug that in and you’ll get the same $133.63 per week.
With our loan calculator, you can adjust:
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Loan amount to see how repayments change.
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Term (1–7 years) to compare short vs long loans.
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Balloon payments to lower weekly cost for vehicles.
The loan repayment calculator works for both personal and commercial loans, whether you’re buying equipment, upgrading a family car, or starting a small business. You can also test different loan terms or deposit amounts to see how your payments change.
Once you find a repayment plan that works for you, explore our car loans and personal loan options.
How this Loan Repayment Calculator Works
Several factors influence how much you’ll repay on any loan. Our car loan repayment calculator and personal loan repayment calculator make it easy to see how each factor plays out.
Loan Amount and Term
The higher the loan, the more you pay overall. For instance, a $30,000 loan over 3 years at 6% interest might cost about $913 per month. The same loan stretched over 5 years drops to about $580 per month, but you’ll pay more in total interest. Shorter terms mean higher repayments but lower overall cost.
Interest Rates and Fees
Interest rates vary between lenders. Even a small difference matters. A 1% rate change can mean hundreds saved yearly. That’s why Fintell Finance compares multiple lenders to find competitive rates and minimal fees for Australians.
Secured vs Unsecured Loans
Secured loans use assets like cars or property as security. A secured loan (e.g., using your car as security) generally attracts lower rates, often 1–2% cheaper than unsecured personal loans.
Unsecured loans, such as personal loans, don’t need collateral but usually attract higher rates.
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For instance, a secured $25,000 car loan at 5.5% = $477 monthly.
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An unsecured personal loan for the same amount at 7.5% = $500 monthly.
That’s roughly $1,380 more over 5 years. Want tailored advice? Our Adelaide finance team can crunch these numbers for you.
Why Use a Loan Calculator Before Applying
Using a loan repayment calculator before applying helps you plan realistically and avoid financial surprises. Whether you’re checking a caravan loan or a business loan, the calculator shows how repayments fit into your monthly budget. By using our calculator, you'll be able to:
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Understand the total repayment cost upfront.
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Compare options quickly and clearly.
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Plan around weekly or monthly budgets.
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Avoid overborrowing or rate shocks.
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Get pre-approval with confidence.
Take the Next Step
Now that you’ve learned to put the loan repayment calculator into use, you’re now one step closer to funding your next move. Whether it’s a personal, car, or commercial loan, we’ll guide you through the next steps.
With over 20 years of experience helping Australians, our Adelaide-based team offers practical, personal advice every time. Get a quick quote or pre-approval today.
Frequently Asked Questions
How accurate is the Fintell Finance loan repayment calculator?
The calculator gives a close estimate based on your inputs. It includes principal and estimated interest. Final figures may vary slightly depending on lender fees or insurance.
Can I use the calculator for both personal and commercial loans?
Yes, absolutely. Our calculator suits both. Whether you’re checking repayments for a small business loan or a family car, you’ll get accurate, useful figures.
Does the calculator include interest and fees?
It includes estimated interest based on your rate and term. Some lenders charge additional setup or monthly fees, which we’ll explain before you apply.