Personal Loan Calculator

Use our Personal Loan Calculator to estimate what your personal loan interest rate and repayments could be. Our Personal Loan can be used for any approved personal use such as education, renovations, travel, vehicles over 7 years old, getting married or debt consolidation.

I want to borrow


How we can help you

Minimum $loanFrequency_paypername

By paying $loanFrequency_lyname, you will save $heritageRepayments_totalSaved & $heritageRepayments_yearsSaved over the life of your loan.

% PA
% PA

Comparison rate*

Indicative repayment amount only based on current interest rates. Your credit contract will state a monthly repayment figure. You may make payments as frequently as you choose within each month to pay the monthly amount due.


Annual insurance cost

Note: This tool is for estimation purposes only. It in no way represents an average premium or indication of potential costs. For an accurate annual insurance cost, you will need to seek an insurance quote that takes into account your particular situation.

Total Cost Summary

Total Loan Repayments

Total Interest Paid

By paying $loanFrequency_lyname, you will save $heritageRepayments_totalSaved & $heritageRepayments_yearsSaved over the life of your loan.

Heritage Loan Repayment


Loan Fee
  • What if interest rates change by:

    When your interest rate is fixed, it will not change during your term, however rates are subject to change without notice before you apply.

  • New interest rate
  • New Heritage Loan Repayment

Up-front Costs

These are one off costs that you will need to consider.

Application Fee

Other costs to consider

There may be other costs you need to consider when taking out a personal loan. For example, you may need to consider your lifestyle expenses and activities and how able you are to modify this if your circumstances happen to change during the period of the loan. If you're ready to apply for your personal loan, read our tips to help get your personal loan approved.