Loan calculator
Give it a try – adjust & compare your loan repayments
Enter any amount between $1,000 and $50,000 and choose a term of 2–48 months; the calculator instantly shows weekly / monthly repayments, total interest and the projected payoff date. Slide the term shorter to cut interest or extend it to ease each payment—perfect for planning before you apply.
Available loan amount
From $2,000 to $50,000*
Terms
Up to 36 months
Repayments
Starting from $70 per week
Security options
Use the vehicle you’re buying or your existing vehicle as collateral?
How our calculator works
- Loan range shown: $1,000 – $50,000 for consumer loans, with terms from 2 – 48 months.
- Indicative fixed rate: 23.95% p.a.; actual offers can vary 9.95% – 39.95% depending on credit score, collateral and affordability.
- Estimate includes our standard fees—$250 + establishment, from $15 per-month admin/PPSR, and the flat $12 close-out fee on full settlement.
- Results are a guide only, not a quote or approval.
Understanding your results
- Shorter terms = lower total interest but higher weekly or monthly repayment.
- Longer terms ease the repayment but raise total interest paid.
- Extra payments go straight to principal, shrinking both term and interest.
- The final fixed rate we offer factors in income stability, credit history and whether the loan is secured.
- For a full breakdown of fees and responsible-lending criteria, see our Costs of Borrowing page and Responsible Lending guide.
For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.
Online loans – easy as 1, 2, 3
1. Application
Fill in our 5-minute loan application form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your loan application within 60 minutes to make sure your loan is fit for purpose and affordable for you. We’ll also review your credit score and financial situation as part of the process.
3. Payout
Once your loan amount is approved, we document your application, explain the terms, sign you up and pay out your funds—so you can get your fast cash without delay.
“I can’t believe how fast it was to apply, be approved, accept, and then get the funds into my account. A truly seamless experience.”
Vehicle Finance
From $2,000 – $50,000*
From $70 Weekly
- Terms: Up to 36 Months.
- Buying New or Using Your Current Car.
- Apply Today & Drive Away
We can take care of insurance for you too!
Debt Consolidation
From $1,000 – $50,000*
From $35 Weekly
- Terms: Up to 36 Months.
- Sort All Your Debts Into 1 Payment.
- Lose The Stress of Multiple Debts.
Payment Protection Insurance is available.
Personal Loans
From $1,000 – $100,000*
From $35 Weekly
- Terms: Up to 36 Months.
- Our “Use For Anything” Loan.
- 100% Online Process and so Fast.
E-Sign is available for all loan types.
Mortgage Loans
From $5,000 – $200,000*
From $199 Monthly
- Terms: Up to 60 Months.
- For Short-Mid Term Purposes.
- Renovate or Repair.
Use the equity in your home to your advantage.
Bridging Finance
From $5,000 – $50,000*
From $99 Monthly
- Terms: Up to 36 Months.
- Sort All Your Debts Into 1 Payment.
- Solve Your Cash-Flow Issues Today.
Our team listen, understand and solve.
Business lending
From $5,000 – $300,000*
From $199 Monthly
- Terms: Up to 60 Months.
- Asset Finance, Capital, Kickstarter.
- We See What You See.
The best outcomes for your business needs.
*Larger amounts are provided through our external lending partners
Key information you should know
- Calculator figures are illustrative only and not an offer of finance.
- Lending is subject to standard credit checks, affordability assessment and Real Finance Limited’s lending criteria.
- All consumer-loan rates are fixed for the term; range currently 9.95% – 39.95% p.a.
- Fees and terms may change—refer to your loan contract for exact costs.
- We follow the Responsible Lending Code and disclose all key information before you sign.
Ready to apply?
Click Apply Now or call 0800 21 21 21. Our team will review your application within 60 minutes and, once approved, transfer funds the same day.
