Calculate your personal loans repayments and savings when switching your personal loans from the Big 4 banks

Borrowers who have switched to smaller, more competitive lenders are saving hundreds of dollars every month. With rates well under 10% now, there’s no better time to switch. Compare your car loan rate against the latest deals:

I want to borrow


Over a loan term of


With an interest rate of


Repayment frequency

By paying weekly, you are saving $95.
Advertised Rate


% p.a


Comparison Rate*


% p.a


Save by switching



based on $30,000 loan amount for 5 years at 11.99%

Upfront Fee


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Total Repayments icon

Total repayments for a 5-year, $30,000 loan at 12.61% would be $40,031*. Terms from - years

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*How we came up with our estimates?

  1. Estimated savings are calculated by averaging the personal loan interest rates from Australia’s big four banks; averaging the four lowest interest rates for personal loans available through RateCity; and comparing the cost difference when these average interest rates are applied to a $20,000 loan with a three-year term and monthly repayments.
  2. These estimated savings calculations were made on 8 March 2018.
  3. Estimated savings are not a guarantee or projection of future savings.