Loan Calculator

Calculate, Compare, & Find the Right Loan for You

Crunch the numbers and connect with over 40 of Australia’s most trusted lenders. Get clarity before you commit – calculate today and save more!

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why us

Why do millions of Aussies trust us?

Because we offer the latest and greatest loan calculators that take the pain and frustration out of budgeting for your next loan. We offer accurate and instant repayment calculators for car loans, personal loans, home mortgages, even boat loans and business loans! Whatever loan you’re in the market for, we can provide assurance and clarity – without any sign-ups or pop-ups, and it’s 100% free to use!

  • Fast & Easy Calculators – Get instant repayment estimates.
  • Wide Range of Loan Types – From cars to business loans, all in one place.
  • Trusted Lenders – Compare offers from Australia’s leading banks and lenders.
  • Expert Guidance – Access broker support to help you secure approval.
  • 100% Free to Use – No hidden fees, just transparent comparisons.
20+ Years of experience
Our team are seasoned financial and broking professionals
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In-House Financial Experts
Expertise backed by real world experience
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The Right Loan, Every Time
Compare loans without favouring, just the best rates
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All your financial calculators in one place

Buying a new car? Looking how much you can borrow for a new home? Investing in your business? Be sure to bookmark our loan calculators so you can get clear estimates and compare dozens of options at the tap of a finger.
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Car Loan Calculator

See your estimated repayments per week/fortnight/month

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Personal Loan Calculator

See your estimated repayments per week/fortnight/month

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Business Loan Calculator

See your estimated repayments per week/fortnight/month

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Home Loan Calculator

See your estimated repayments per week/fortnight/month

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Motorbike Loan Calculator

See your estimated repayments per week/fortnight/month

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Boat Loan Calculator

See your estimated repayments per week/fortnight/month

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Caravan Loan Calculator

See your estimated repayments per week/fortnight/month

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How It Works

It’s as easy as one, two, three: follow our three-step calculation and application process so you can find the right lender, loan package, and payment plan.

Calculate

Estimate repayments and check your borrowing power with our calculators.

Compare

Review different loan options side-by-side to find the best fit.

Get Approved

Connect with trusted brokers and lenders to secure your loan.

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Check your loan potential instantly

Our no credit check grading system shows you a simple letter grade from based on the five major factors that lenders look for when deciding on approving a loan.
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Why Australia trusts us

Hear true stories from dozens of Aussies who’ve turned to our loan calculators for comparison, selection, and securing perfect finance. Find out how we’ve helped heaps of Australians to make their borrowing journey easier.
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I used Positive as my mortgage broker and I am so grateful that I did - I had no idea what I was doing and Elliot explained everything to me so it was easy to understand and I was able to make the best decisions for my circumstances. He was professional, responsive and answered all my questions so quickly, even on weekends when I was making an offer on a home. Really great experience, thank you Elliot!
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Jodie Todd profile picture
Jodie Todd
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Always a pleasure to use Positive Home Loans when refinancing. Very helpful, fast and easy communication to get the job done. Would highly recommend and will definitely be sticking with them for any finance matters.
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lisa donnelly profile picture
lisa donnelly
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Rob provided quality service and ensured we obtained the product that was right for us and at the lowest interest rate available. We have used Positive Home Loans in the past and we will use them again in the future.
Posted on Google
Marsh Morl profile picture
Marsh Morl
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Rob at Positive home loans was great to deal with. He went out of his way on many occasions to accommodate us and made the whole process runs smoothly. Can't thank him enough for all his help in helping us get our dream home. Anything we do financially now will go through this company. Thanks again 👍
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Matt Collins

Frequently asked questions

Get straightforward solutions to common queries on car loans, house loans, personal loans, business funding, and more.
To use our personal loan calculator, enter the loan amount, interest rate, and loan term. Our tool will provide an estimate of your monthly payments and total repayment cost.
Nothing. It’s free and it always will be. No sign-ups or other information is required. Just put in your numbers and go.
A comparison rate helps you understand the true cost of a loan. It combines the interest rate with most fees and charges into a single percentage, making it easier to compare loans from different lenders. However, it’s based on a specific loan amount and term, so your actual costs may vary depending on your situation.
You can compare loans and packages from Australia’s top 40 lenders across car loans, personal loans, business loans, home loans, motorbike loans, boat and marine loans, caravan and RV loans, and education loans.

For a home loan calculation, you’ll need to input the home price, deposit, interest rate, and loan term. Our home loan calculator will give you an estimate of your monthly mortgage payments and total repayment amount.

Yes, our car loan calculator allows you to factor in extra fees like registration or documentation costs. Enter these figures alongside the car price, interest rate, and loan term for a more accurate estimate.

Yes, under certain circumstances. Some loans may not be able to be refinanced or can be refinanced albeit with no financial advantage (e.g., it costs more to refinance than to stay with your original loan and lender.) Make sure you do all the necessary calculations before deciding to refinance your loan, especially a mortgage.

Changing any value in our loan calculator will automatically recalculate your estimated monthly repayment and total repayment cost based on the new figures you’ve entered.
Yes, by inputting varying amounts for the loan term, interest rate, or principal, you can use our calculator to compare how each variable impacts your monthly repayments and total repayment cost. You can then compare them against our panel of Australia’s top 40 lenders.
While our loan calculators don’t directly account for additional payments, making more than the calculated monthly payment will reduce your loan balance faster, ultimately shortening your loan term and saving on interest costs. Some loans may penalise extra repayments or early settlement, so be aware of any fees and charges.

Our loan calculators are designed for all users regardless of their credit score, providing an estimate of loan costs based solely on entered values without considering personal credit history.

The accuracy of our loan calculator results depends on the precision of the input values. While they offer a helpful estimation tool, actual loan terms and interest rates may vary based on lender-specific criteria and market conditions.

Our latest news and articles

From loan calculators to finance tips, our articles keep you updated on everything you need to know about borrowing from our panel of trusted industry experts.
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Our loan calculators are for every borrower

Our tool helps people in Australia with things like car, personal, home, and business lending decisions. It lets you figure out the right choices and connects you with the right lenders and banks that suit you.
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