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See what your loan really costs.
Estimate your weekly, fortnightly or monthly repayments, and see how much interest and time you could save by paying a little extra.
Repayments and extra repayments.
Enter your loan amount, term and rate, then add an extra repayment to see the interest and years you could save.
Small changes, big savings.
Interest is charged on what you owe, so anything that lowers your balance sooner saves you money.
Pay fortnightly
Paying half your monthly repayment every fortnight means 26 payments a year, the equivalent of 13 monthly repayments instead of 12.
Small extras add up
Extra repayments come straight off your principal, so interest is charged on a smaller balance from then on. Check your loan allows them, as fixed-rate loans often cap extra repayments.
Use an offset account
Savings held in an offset account linked to your loan reduce the balance you are charged interest on, while staying available for you to use.
Could a better rate do more?
If your loan hasn't been reviewed in a while, refinancing could lower your repayments without changing how you pay. We compare 40+ lenders and manage the switch for you.