Personal Loan Calculator

Our personal loan calculator helps you estimate your personal loan repayments - whether it be for a holiday, wedding, debt consolidation or renovations.

Car Loan Calculator

In the market for a new car? Our car loan calculator helps you estimate the true cost of owning a car. It takes into account stamp duty, insurance, maintenance and more!

Compare All Loans

Not sure which loan is right for you? View our handy reference table which lets you scroll through the benefits and features of all the personal loans on offer from Heritage Bank.

Great discounts and rewards just for being a Heritage member.

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To approved applicants only. Conditions, criteria and fees apply. Offer applies to personal loans applied for between 1 January and 28 February 2017 and dispersed by 31 March 2017. Application fee on personal loans normally $200. 

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

To approved applicants only. Fees, charges and conditions apply.

* Car loan comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments, for secured loans only. All other personal loan comparison rates calculated on a loan amount of $10,000 over a term of 3 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Personal loan repayment terms range from 1 to 10 years. Comparison rate representative example is based on: an unsecured loan of $10,000 borrowed for 3 years with the minimum interest rate of 12.99% p.a. (14.02% p.a. comparison rate), the estimated total amount payable including fees is $12,308.09. WARNING: These comparison rates apply only to the examples given. Different 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.