Personal Loan Repayment Calculator built for Australian personal loan brokers
Turn rate-shoppers into qualified borrower leads. Customers enter their loan amount, term and purpose to see repayments instantly while you capture their details and loan brief.
This is a price indication only. Our team will be in touch to confirm the final price after assessing the job.
*This is a price indication only. Your broker will confirm the final figures after reviewing your circumstances.
Step 1 of 5 — Loan amount
1Loan amount
2Loan purpose
3Loan terms
4Loan security
5Pre-Approval Details
Loan amount
How much do you need to borrow?
500080000
Personal Loan Repayment Calculator · powered by LeadkitPowered by Leadkit
Live calculator — no sign-up needed.
Instant Notifications
Know the Moment a Lead Arrives
The second someone completes your calculator, you get a celebration notification with their full details — name, contact, project info, and estimated value.
Real-time alerts — no refreshing needed
Full customer details at a glance
One click to view the complete lead
Score and value calculated automatically
🎉
Your first lead just arrived!
Someone just requested an estimate on your website — their details have been captured and a new lead is ready in your dashboard.
Sarah Mitchell
Just now
Hot
Email sarah@example.com
Calculator Personal Loan Repayment Calculator
Status New
Est. value $4,200
View Lead Details
I'll check it later
Automated Emails
Professional Emails Sent Automatically
Every calculator submission triggers branded emails — an instant estimate for your customer and a detailed lead notification for you.
Customer Estimate — Instant branded estimate sent to your customer
Lead Alert — New lead notification sent to your inbox
Updated Estimate — Revised estimate sent when you update pricing
Expiry Notice — Reminder sent when an estimate is about to expire
Tradies who stopped chasing leads and started winning them. In their own words.
“
Set it up Tuesday. By Friday I had three quote requests in my inbox. One turned into a $14,200 bathroom job. Pays for itself ten times over.
4 → 31
Quote requests per month
$74,400
In booked jobs · 90 days
5×
Pipeline vs. before
DK
Dan K.
Bathroom Renovator · Brisbane · On Leadkit since Jan 2026
Why it pays
Capture borrowers at the comparison stage
Most borrowers compare personal loan rates online before they ever call a broker. Let them self-qualify so you only spend time on the enquiries worth chasing.
300
35%
$25k
With Leadkit, you'd earn
$578k/month extra
Based on a 8.3× uplift over a plain contact form, applied to your inputs.
All prices in AUD · GST inclusive · Cancel any time, no calls or forms
Common questions
What others asks before signing up?
How much are repayments on a $20,000 personal loan in Australia?
At a typical unsecured rate of around 10% p.a. over 3 years, repayments on a $20,000 personal loan are roughly $645 per month. Over 5 years at the same rate, repayments drop to around $425 per month but total interest increases. This calculator gives you an instant estimate — your broker confirms the final figures after reviewing your circumstances.
How accurate is this personal loan repayment calculator?
It uses the standard Australian principal-and-interest amortisation formula, so the repayment is accurate for the figures you enter. It is a price indication only — your actual rate, fees and eligibility are confirmed by your broker and lender.
What is the difference between secured and unsecured personal loans?
A secured loan is backed by an asset (usually a car or term deposit). Because the lender has collateral, secured rates are typically 1–2% lower than unsecured. The average secured rate in 2026 is around 9.4% p.a. versus 10.3% for unsecured. If you default on a secured loan, the lender can repossess the asset.
Can I add this calculator to my own website?
Yes — embed it on WordPress, Webflow, Squarespace, Wix or Shopify with one snippet, or use the free hosted page if you don't have a site.
What do I get when a borrower uses my calculator?
A full lead: their name, phone, email, loan purpose, amount and the estimate they saw — plus a branded PDF copy in your inbox, ready to follow up.
I don't have a website — can I still use it?
Yes. Every calculator gets a free hosted page with your branding and a shareable link for your Google profile, socials or texts.
What personal loan rates are available in Australia right now?
As of 2026, personal loan rates range from about 5.7% for the best secured rates to 20%+ for unsecured high-risk borrowers. Big-four bank fixed rates typically start from 7.5% to 12%. Your broker can help you find the most competitive rate for your credit profile and loan purpose.
Is Leadkit really free?
Yes. Free lets you add up to 3 calculators to your website and receive 10 leads per month — no credit card. Every lead beyond the cap is still captured and held for you; upgrading to Pro ($29/mo) opens them all retroactively and removes the cap.
Do I need to know how to code?
No. You get an embed code (one line of HTML). Paste it into your website builder — Wix, Squarespace, WordPress, or any custom site. That's it.
How accurate are the price estimates?
You configure the calculator formulas to match your actual pricing. Leadkit provides the framework; you set the numbers. Estimates can be as detailed or as rough as you like.
What happens with lead data?
All lead data is stored securely in your workspace. You own it. We never sell or share your leads with anyone.
Can I use Leadkit as an agency for multiple clients?
Yes — our Agency plan lets you create and manage separate workspaces for each of your clients, all from one dashboard.
What's the difference between the plans?
Free: up to 3 calculators, 10 leads/month (over-cap leads held + locked until upgrade). Pro: unlimited leads, unlimited calculators, white-label, branded email sending, analytics, email templates. Agency: everything in Pro plus multi-workspace management.
Get Started Free
Start capturingborrower leads
Let borrowers see their repayments while you capture qualified enquiries. Set up your calculator in 60 seconds.
Understanding personal loan repayment costs in Australia
The section below is for homeowners researching personal loan repayment costs. We break down how prices are calculated, show current Australian averages, and answer the questions we hear most. Every number reflects real 2026 rates from Australian tradies — not marketing fluff.
Based on AU market ratesGST includedUpdated for 2026
For borrowers
See your repayments before you apply
Get an instant personal loan repayment quote for your loan amount, rate and term. The estimate is a price indication; your broker confirms the final figures after reviewing your circumstances.
Compare secured vs unsecured repayments side by side
Understand total interest over the life of the loan
See how different loan terms change your monthly cost
Know roughly what you'll repay before you apply
For personal loan brokers
Capture borrowers while they compare rates
Let borrowers self-qualify and leave their details. Your rates, your branding, your credit licence number on every estimate.
Your rates, your branding, your ACL on every PDF
Lead score helps you prioritise follow-ups
Free plan to start — upgrade for unlimited calculators
Works on WordPress, Webflow, Squarespace, Wix and Shopify
How it works
How this repayment estimate is calculated
Each estimate uses the standard Australian principal-and-interest amortisation formula adapted for personal loan terms (1–7 years) and rates (7–20% p.a.). It produces an estimate, not a binding quote — your broker confirms the final figures.
GST handling: Personal loan repayments are not subject to GST. Establishment fees, ongoing fees and early repayment penalties may apply — your broker will confirm.
1
Enter your loan details
Loan amount ($5,000–$80,000), purpose, term and whether the loan is secured or unsecured. Purpose helps your broker match you to the right product.
2
Set the interest rate
Use the slider to match your expected rate, or leave it at the average. Secured loans are typically 1–2% lower than unsecured.
3
Apply the amortisation formula
The monthly repayment is calculated from the loan amount, the monthly interest rate and the number of months in the term.
monthly = P · r(1+r)ⁿ ÷ ((1+r)ⁿ − 1)
4
Calculate total cost
Total repayment is the monthly figure multiplied by the number of months. Total interest is the difference between total repayment and the loan amount.
Typical personal loan repayments across Australia 2026
Repayments depend on your loan amount, rate, term and whether the loan is secured. These are typical principal-and-interest repayments at rates between 9–11% p.a.
Average costs by job type across Australia, 2026
Job type
Low
Average
High
Unit
$10,000 / 3yr unsecured
$315
$330
$360
per month
$20,000 / 5yr unsecured
$390
$420
$470
per month
$30,000 / 5yr secured
$550
$610
$680
per month
$50,000 / 5yr unsecured
$980
$1,073
$1,180
per month
$80,000 / 7yr secured
$1,100
$1,250
$1,420
per month
Source: Canstar, Finder, Moneysmart personal loan comparison data (May 2026)
Personal loan rates don't vary by state but do vary by credit score, employment status and lender. Secured loans (backed by an asset like a car) are typically 1–2% cheaper than unsecured. Big-four banks average around 9–12% fixed; online lenders and credit unions can be lower for strong applicants.
