Personal loan calculators
Excellent Credit Personal Loans
Your loan, your way
We're a multi-award winning personal lender
Our loans are recognised by Canstar and Mozo.
Estimate your personalised rate* and repayments
repayments
Your estimate repayments are calculated based on the loan type, loan amount, loan term and your credit score entered. The calculations do not include upfront or continuing credit fees and charges. Lending is to approved applicants only. All lending is subject to a detailed credit assessment, the results from this calculator do not constitute a loan application or variation to an existing facility, loan offer or loan approval.
Your contracted personal loan repayments will be set to a monthly frequency, meaning you will need to meet the agreed repayment amount by the due date stated on your loan contract each month. To meet this minimum monthly amount, you can however make repayments weekly or fortnightly.
This calculator provides general information only and should not be relied on to make a decision about a financial product. You should consider obtaining advice from an appropriately licensed financial services professional before making any financial decisions.
A secured loan is 'secured' against the asset you are borrowing for, such as a car. If you are unable to repay the loan, the lender can sell the asset to cover the costs of the loan.
An unsecured personal loan is a loan that does not require an asset as security. Your income and ability to repay the loan is still assessed, however you don't need an asset to secure the loan.
Your credit score is a number used by lenders to assess how likely you are to repay a loan. Your score is based on the information in your credit report, including:
- How you've managed previous loan and credit card repayments.
- How many loan applications you've made in the past.
- The age of your credit file.
Learn more with our guide to Understanding our personal loan interest rates.
Unsecured Fixed Personal Loan
An ideal loan for many purposes, such as debt consolidation, home improvements, new or used cars and motorbikes of any age, boats, caravan and more.
Secured Fixed Car Loan
For buying or refinancing a new or used car or motorbike up to seven years old.
Green Car Loan
For buying or refinancing an electric or hybrid car up to seven years old.
Unsecured Green Personal Loan
For eligible green purchases, including solar panels, battery packs, solar hot water systems and hot water heat pump systems.
How much can I borrow for a personal loan?
Your estimate repayments are calculated based on the loan type, loan amount, loan term and your credit score entered. The calculations do not include upfront or continuing credit fees and charges. Lending is to approved applicants only. All lending is subject to a detailed credit assessment, the results from this calculator do not constitute a loan application or variation to an existing facility, loan offer or loan approval.
Your contracted personal loan repayments will be set to a monthly frequency, meaning you will need to meet the agreed repayment amount by the due date stated on your loan contract each month. To meet this minimum monthly amount, you can however make repayments weekly or fortnightly.
This calculator provides general information only and should not be relied on to make a decision about a financial product. You should consider obtaining advice from an appropriately licensed financial services professional before making any financial decisions.
Unsecured Fixed Personal Loan
An ideal loan for many purposes, such as debt consolidation, home improvements, new or used cars and motorbikes of any age, boats, caravan and more.
Secured Fixed Car Loan
For buying or refinancing a new or used car or motorbike up to seven years old.
Green Car Loan
For buying or refinancing an electric or hybrid car up to seven years old.
Unsecured Green Personal Loan
For eligible green purchases, including solar panels, battery packs, solar hot water systems and hot water heat pump systems.
Simply request a copy of your credit report from Equifax (previously known as Veda).
Your credit score is a number used by lenders to assess how likely you are to repay a loan. Your score is based on the information in your credit report, including:
- How you've managed previous loan and credit card repayments.
- How many loan applications you've made in the past.
- The age of your credit file.
Learn more with our guide to Understanding our personal loan interest rates.
The results from this calculator should be used as an indication only. The actual amount you can borrow may vary depending on factors including your verifiable net income, other debts or liabilities you have and the number of dependents you have. Lending is to approved applicants only and all lending is subject to a detailed credit assessment.
The calculations do not include upfront or continuing credit fees and charges and do not constitute a loan application or variation to an existing facility, loan offer or loan approval.
The repayment calculations provided are estimates only and are based upon the information entered by the user.
Your contracted personal loan repayments will be set to a monthly frequency, meaning you will need to meet the agreed repayment amount by the due date stated on your loan contract each month. To meet this minimum monthly amount, you can however make repayments weekly or fortnightly.
This is general information and does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting on it.
Explore our personal loans
Explore our personal loans
Personal loans explained
A personalised interest rate is determined in large part by your credit score. This is based on a range of factors including your history of repaying loans, credit cards, and other bills. In short, the better your credit score, the lower the interest rate you’re likely to be offered.
Speaking of which, it's worth noting that while submitting a full application will likely result in a small, temporary dip to your credit score, simply getting your estimated personalised rate will not impact it.
When we say, ‘get your rate’, we mean discovering your estimated personalised interest rate. It’s a super-simple process which takes about a minute and won’t affect your credit score. All you need to do is provide a few basic details and we’ll let you know what to expect in terms of repayments. If you’re happy, you can then proceed to a full application.
To buy a car, you can take out a secured car loan or an unsecured personal loan.
A secured loan is 'secured' against the asset you are borrowing for, in this case your car. This means that if you’re unable to repay the loan for whatever reason, the lender can sell the asset to cover their costs.
As secured loans represent less of a risk to lenders, they generally come with lower interest rates than unsecured loans.
An unsecured personal loan, on the other hand, doesn’t require an asset as security. For this reason, they tend to be used for non-material purchases like holidays and weddings, or for debt consolidation. But you can also use them to buy a car if you don’t want to use your car as security, or if the car you’re buying is over seven years.
A comparison rate is the interest rate, plus additional fees and charges you will be expected to pay over the loan term. As comparison rates indicate the true cost of a loan, they make it easier to decide which is best for you.
Yes, we do support joint personal loan applications. The same process applies.
Yes, you can make additional repayments on your loan without attracting a fee.
Yes. Your loan contract will be set up for monthly repayments initially, but if you prefer to pay in weekly or fortnightly instalments simply call us on 133 282 or drop into a branch and we can arrange this for you.
Your application ID is in the confirmation email we sent from loanapplication@gsb.com.au. For help, call us on 133 282.
Loans are issued by Great Southern Bank, a business name of Credit Union Australia Ltd ABN 44 087 650 959, AFSL and Australian Credit Licence 238317. Lending criteria, limits, conditions, and fees apply.
Rates current as at 22 May 2026 and subject to change.
Your loan contract will state the minimum monthly repayment amount. You can arrange with us to make repayments on a weekly or fortnightly basis.
1. Comparison rate examples are accurate for a personal loan amount of $30,000 secured loan over a term of 5 years. WARNING: Comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
2. Comparison rate examples are accurate for a personal loan amount of $30,000 unsecured loan over a term of 5 years. WARNING: Comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
*The rate you are offered is calculated based on your personal circumstances and credit history. A few different factors are considered, including:
- Your credit score.
- Information provided in your application.
- Existing loans.
- The loan amount and your perceived ability to repay the loan.
Receiving your estimated personalised rate won’t impact your credit score. Your actual personalised rate will only be confirmed after you’ve submitted a full application and received an offer from us (if approved), and will result in a small, temporary dip to your credit score. The rate is subject to change before your loan settles.
^ The $225 establishment fee waiver is available for new or existing customers who submit a Great Southern Bank personal loan application between 30 April 2025 and 7 July 2026. Great Southern Bank may withdraw or amend this offer at any time without notice. Lending criteria, limits, conditions, and fees apply.
The Outstanding Value – Excellent Credit Personal Loans Award considers only borrowers with an excellent credit profile (See Canstar’s Personal Loans Awards methodology at http://www.canstar.com.au/current-ratings-awards for more information).
Your credit score is a number used by lenders to assess how likely you are to repay a loan. Your score is based on the information in your credit report, including:
- How you've managed previous loan and credit card repayments.
- How many loan applications you've made in the past.
- The age of your credit file.
Learn more with our guide to Understanding our personal loan interest rates.
Your application ID is in the confirmation email we sent from loanapplication@gsb.com.au. For help, call us on 133 282.