Ready to crunch the numbers on what your personal or car loan repayments might be? We've made it simple. Just select your loan type (New Car Loan or unsecured), input your desired loan amount and term, and voila! Our personal loan repayment calculator will give you an estimate of your potential repayments. You can even experiment with different interest rates or loan terms to see how they might impact your repayments.
How to use our personal loan repayment calculator
First up, choose your loan type: opt for our New Car Loan if you're eyeing a car that's less than seven years old, otherwise, go for an Unsecured Personal Loan. Then, input the loan amount and pick a term of up to five years. We'll crunch the numbers and lay out your estimated repayments, complete with the total interest you'll pay over the life of the personal loan.
If you're interested in paying off your loan faster, check out the 'extra repayments' option. Input a lump sum or a regular payment amount to see the difference making extra payments could make. A little really can go a long way!
What's the personal loan application process like?
Apply for your loan
Complete your loan application and provide us with your ID and supporting documents.
Assessment and approval
We’ll take a look at your loan application, and will be in touch if we have any questions or need any more info.
Sign your contract
We can send your contract to you electronically, or you can sign it at your local branch.
Your loan is funded!
In other words, you’ve got your money. Don’t forget to set up your repayments online!
Because we're here to help
Talk to the team
Got a question? Call us on 1300 228 228, pop into your local branch, or chat to us online.
Find your local branch
You’ll find us from Maroochydore to Port Macquarie – drop in and say hi!
Get answers online
Check out our how-to guides, search our FAQs, and find support services.
Got a question about personal loans?
If you want to refinance an existing BCU Bank personal loan, or a loan you have with another bank or lender, we’re here to help.
You might be looking to increase your loan, or combine multiple loans into one with a debt consolidation loan.
We offer both secured and unsecured variable rate personal loans for any purpose. And you can use our repayments calculator to get an idea of your repayments.
If you have an existing BCU Bank loan you want to review or increase, or you want to speak to a team member about a new personal loan application, please contact our lending specialists on 1300 228 228 to apply over the phone, or visit your nearest branch.
Yes, we can assess your personal loan application and provide you with a loan pre-approval so you can shop for a car with confidence.
A secured personal loan is where your loan is secured by a motor vehicle that is less than seven years old. So, you might use the car you’re buying as security for your car loan, or you might use a car that you already own, to secure a personal loan for a well deserved holiday. Secured personal loans are often offered at a lower interest rate.
On the other hand an unsecured personal loan doesn’t require any security.
Important information
Banking and Credit products issued by Police & Nurses Limited (BCU Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms and conditions, fees and charges apply.
The results from this calculator should be used as an indication only. Figures provided are for illustrative purposes only and are based on the information provided. The calculations do not take into account any product features or fees and charges that may be charged to your loan. Results do not represent a quote or pre qualification for a loan. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change. Lending criteria applies to the approval of credit products. Terms and conditions apply and are available on request. Fees and charges are payable.
Comparison rate calculated based on $30,000 over a term of 5 years on monthly repayments for secured and unsecured loans. Rates quoted may vary depending on loan purpose and security offered.
WARNING: This comparison rate applies only to the example or 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.
Calculator by Widget Works