Personal Overdraft from Illawarra Credit Union
Borrow amount
$30k
Interest Rate
14.71
% p.a
Variable
Loan term
0 year to 10 years
Repayment frequency
Monthly
Monthly repayment
$1k
36 months
Number of repayments
36
Total interest paid
$7.3k
Total repayments
$37,285
Monthly Repayment Schedule
Results are estimates only. Please allow for slight rounding differences.
| № | Date | Principal | Interest | Payment | Balance |
|---|---|---|---|---|---|
| 1 | Aug 2022 | $667.95 | $367.75 | $1,035.70 | $29,332.05 |
| 2 | Sep 2022 | $676.14 | $359.56 | $1,035.70 | $28,655.91 |
| 3 | Oct 2022 | $684.43 | $351.27 | $1,035.70 | $27,971.48 |
| 4 | Nov 2022 | $692.82 | $342.88 | $1,035.70 | $27,278.66 |
| 5 | Dec 2022 | $701.31 | $334.39 | $1,035.70 | $26,577.35 |
| 2022 Total | $3,422.65 | $1,755.85 | $5,178.5 | ||
| 6 | Jan 2023 | $709.91 | $325.79 | $1,035.70 | $25,867.44 |
| 7 | Feb 2023 | $718.61 | $317.09 | $1,035.70 | $25,148.83 |
| 8 | Mar 2023 | $727.42 | $308.28 | $1,035.70 | $24,421.41 |
| 9 | Apr 2023 | $736.33 | $299.37 | $1,035.70 | $23,685.08 |
| 10 | May 2023 | $745.36 | $290.34 | $1,035.70 | $22,939.72 |
| 11 | Jun 2023 | $754.50 | $281.20 | $1,035.70 | $22,185.22 |
| 12 | Jul 2023 | $763.75 | $271.95 | $1,035.70 | $21,421.47 |
| 13 | Aug 2023 | $773.11 | $262.59 | $1,035.70 | $20,648.36 |
| 14 | Sep 2023 | $782.59 | $253.11 | $1,035.70 | $19,865.77 |
| 15 | Oct 2023 | $792.18 | $243.52 | $1,035.70 | $19,073.59 |
| 16 | Nov 2023 | $801.89 | $233.81 | $1,035.70 | $18,271.70 |
| 17 | Dec 2023 | $811.72 | $223.98 | $1,035.70 | $17,459.98 |
| 2023 Total | $9,117.37 | $3,311.03 | $12,428.4 | ||
| 18 | Jan 2024 | $821.67 | $214.03 | $1,035.70 | $16,638.31 |
| 19 | Feb 2024 | $831.74 | $203.96 | $1,035.70 | $15,806.57 |
| 20 | Mar 2024 | $841.94 | $193.76 | $1,035.70 | $14,964.63 |
| 21 | Apr 2024 | $852.26 | $183.44 | $1,035.70 | $14,112.37 |
| 22 | May 2024 | $862.71 | $172.99 | $1,035.70 | $13,249.66 |
| 23 | Jun 2024 | $873.28 | $162.42 | $1,035.70 | $12,376.38 |
| 24 | Jul 2024 | $883.99 | $151.71 | $1,035.70 | $11,492.39 |
| 25 | Aug 2024 | $894.82 | $140.88 | $1,035.70 | $10,597.57 |
| 26 | Sep 2024 | $905.79 | $129.91 | $1,035.70 | $9,691.78 |
| 27 | Oct 2024 | $916.89 | $118.81 | $1,035.70 | $8,774.89 |
| 28 | Nov 2024 | $928.13 | $107.57 | $1,035.70 | $7,846.76 |
| 29 | Dec 2024 | $939.51 | $96.19 | $1,035.70 | $6,907.25 |
| 2024 Total | $10,552.73 | $1,875.67 | $12,428.4 | ||
| 30 | Jan 2025 | $951.03 | $84.67 | $1,035.70 | $5,956.22 |
| 31 | Feb 2025 | $962.69 | $73.01 | $1,035.70 | $4,993.53 |
| 32 | Mar 2025 | $974.49 | $61.21 | $1,035.70 | $4,019.04 |
| 33 | Apr 2025 | $986.43 | $49.27 | $1,035.70 | $3,032.61 |
| 34 | May 2025 | $998.53 | $37.17 | $1,035.70 | $2,034.08 |
| 35 | Jun 2025 | $1,010.77 | $24.93 | $1,035.70 | $1,023.31 |
| 36 | Jul 2025 | $1,023.16 | $12.54 | $1,035.70 | $0.15 |
| 2025 Total | $6,907.1 | $342.8 | $7,249.9 |