How it works
You can use the Personal Loan Repayment Calculator to estimate your repayments based on the amount you want to borrow. It could help you make smarter choices and stay in control of your budget.
Repayment calculator
This calculator helps you estimate how much your personal loan repayments could be.
Repayment calculator: Any calculations made by you using this calculator is intended as a guide only. It is for illustrative purposes only and is based on the accuracy of the information provided. The calculation is not an offer of credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The calculations should not be relied on for the purpose of making a decision whether to apply for a personal loan. Weekly and fortnightly repayment calculations - if your monthly repayments are $1000, fortnightly repayments are calculated by dividing $1000 by 2 and rounding up if required ($1000/2 = $500). Weekly repayments are calculated by dividing $1000 by 4 and rounding up if required ($1000/4 = $250).
^Comparison rates: Comparison rates help you understand the true cost of a loan. All comparison rate examples shown are for a personal loan amount of $30,000 and a term of 5 years. WARNING: Comparison rates apply only to the example or examples given and may not include all fees and charges. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
- Unsecured Personal Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on an unsecured loan of $30,000 borrowed for 5 years with the interest rate of 7.00% p.a. (comparison rate 8.41% p.a.), the estimated total amount payable including fees is $36,839. The actual rate offered may be higher or lower than the comparison example above. Rates currently range from 7.00% p.a. to 21.99% p.a. (comparison rate from 8.41% p.a. to 23.28% p.a.)
- Car Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a personal loan of $30,000 borrowed for 5 years with the interest rate of 6.49% p.a. (comparison rate 7.90% p.a.), the estimated total amount payable including fees is $36,404. The actual rate offered may be higher or lower than the comparison example above. Rates currently range from 6.49% p.a. to 12.99% p.a. (comparison rate from 7.90% p.a. to 14.34% p.a.)
- Electric Car Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a personal loan of $30,000 borrowed for 5 years with the interest rate of 5.99% p.a. (comparison rate 7.41% p.a.), the estimated total amount payable including fees is $35,981. The actual rate offered may be higher or lower than the comparison example above.
- Hybrid Car Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a personal loan of $30,000 borrowed for 5 years with the interest rate of 5.99% p.a. (comparison rate 7.41% p.a.), the estimated total amount payable including fees is $35,981. The actual rate offered may be higher or lower than the comparison example above. Rates currently range from 5.99% p.a. to 10.29% p.a. (comparison rate from 7.41% p.a. to 11.66% p.a.)
What should I keep in mind when using this calculator?
Loans this calculator works for
Comparison rates
Lending Establishment Fee
Check our 'Things you should know' section for more details.
Please review the Terms and Conditions before making a decision to apply for a Westpac Personal Loan.
Knowing what you’ll need to repay helps you stay on top of your money
This simple calculator shows what a personal loan could mean for you. It could make it easier to plan ahead and borrow with confidence.
Steps to get your Personal Loan
1. Estimate your repayments
Use the calculator on this page to check what your repayments could be based on how much you borrow.
2. Get your personalised quote
Choose to get your no-obligation, more personalised interest rate. It won’t affect your credit score.
3. Save time - apply online
Once approved, funds are sent fast—on the same day you accept your loan contract.
Get a personalised rate
We'll work out your Personal Loan personalised rate and repayment estimate based on your credit score and the loan details you give us. It only takes a few steps, and it won’t affect your credit score. Already bank with us? Sign in to save time.
Help when you need it
Things you should know
This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice. Please consider your individual circumstances before applying for a Westpac Personal Loan. Credit criteria, fees, charges, terms and conditions apply. Information is correct as of 30 October 2025.
Comparison rates: Comparison rates help you understand the true cost of a loan. All comparison rate examples shown are for a personal loan amount of $30,000 and a term of 5 years. WARNING: Comparison rates apply only to the example or examples given and may not include all fees and charges. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
- Unsecured Personal Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on an unsecured loan of $30,000 borrowed for 5 years with the interest rate of 7.00% p.a. (comparison rate 8.41% p.a.), the estimated total amount payable including fees is $36,839. The actual rate offered may be higher or lower than the comparison example above. Rates currently range from 7.00% p.a. to 21.99% p.a. (comparison rate from 8.41% p.a. to 23.28% p.a.)
- Car Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a personal loan of $30,000 borrowed for 5 years with the interest rate of 6.49% p.a. (comparison rate 7.90% p.a.), the estimated total amount payable including fees is $36,404. The actual rate offered may be higher or lower than the comparison example above. Rates currently range from 6.49% p.a. to 12.99% p.a. (comparison rate from 7.90% p.a. to 14.34% p.a.)
- Electric Car Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a personal loan of $30,000 borrowed for 5 years with the interest rate of 5.99% p.a. (comparison rate 7.41% p.a.), the estimated total amount payable including fees is $35,981. The actual rate offered may be higher or lower than the comparison example above.
- Hybrid Car Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a personal loan of $30,000 borrowed for 5 years with the interest rate of 5.99% p.a. (comparison rate 7.41% p.a.), the estimated total amount payable including fees is $35,981. The actual rate offered may be higher or lower than the comparison example above. Rates currently range from 5.99% p.a. to 10.29% p.a. (comparison rate from 7.41% p.a. to 11.66% p.a.)
Credit provided by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.