Use our handy online calculators to help with loan repayments, budgeting and savings

Frequently Used Calculators

Home Loan Repayment Calculator
Online Savings Calculator
Loan Comparison Calculator
Online Leasing Calculator

Budgeting  Calculators

Online Budget Calculator

Home Buying Calculators

Does a credit score change the interest rate?

Your credit rating and/or credit score will determine the interest rate you can receive. The higher the score, the better the interest rate. Your credit score is determined by factors such as: overall debt level and repayment history on loans and credit cards.

What loan term should I look at?

You can choose a car loan term that’s suitable to your budget.

Many customers tend to choose vehicle loans over longer terms so the repayments are low and manageable, but opt to repay higher repayments throughout. This provides flexibility in knowing your car loan is paid off sooner and saves paying unnecessary interest.

If your committing to a higher repayments at the start of the loan, there is little room to reduce the repayments with lenders should anything happen throughout the term (loss of employment etc)

How long does it take for loan approval?

With your dedicated finance specialist at your side, your loan could be approved the same day and settlement within 24-48 hours.

What do I need to apply?

You will need to provide ID documents and proof of income

What else changes the interest rate?

Banks and Vehicle Finance Companies asses loans based on risk. What is the customer like? Are they going to repay the loan? Is their job stable?

The vehicle age also determines the interest rate or loan term as older model cars can be viewed as being harder to sell by the lender, should the customer default on their secured loan.

For example: A new to 2 year old car will receive a lower interest rate than a 18-20 year old vehicle.

Are there any other costs?

Loan calculators help to provide a guide on loan repayments, budgeting, comparisons and savings. Generally loan calculators will not take into consideration any potential monthly fees, establishment fees, credit check or vehicle check fees set by the lenders.

These fees are generally included in the loan borrowed amount and do vary from bank to bank.

For a detailed explanation of potential lender fees, contact our motorbike finance specialists on 1300 350 118.

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What out customers say

I would highly recommend Christine from iCredit. She is extremely professional in her work and always succeeds to beat any other competitors rate. She will go out of her way to listen and care for your needs in a loan. We have used Christine for various loans over the past few years and will continue to do so for years to come. Thanks Christine, you are a true gem!
Nathan
Julie was professional and easy to talk to from the outset of our enquiry. She understood our needs and did a fabulous job finding the right loan for us. We had approval within hours and settlement within 3 business days. It was an easy and wonderful experience and we would recommend her services to anyone looking for a professional, experienced and skilled broker.
Anieve J
Many thanks to Kim for her prompt and professional service organising finance for a machinery purchase. Nothing was too much trouble for her ,she made the whole process smooth and hassle free. Great job Kim , I will certainly recommend your services to anyone looking to make finance an easy experience
Paul M.
Great people to deal with, Scott helped us out so much for a fast result couldn’t be happier
Wayne W.
Christine from iCredit is amazing! She goes above and beyond to help with getting the best interest rates and helps every step of process. Thanks to Christine I have an amazing new horse float and I can’t thank her enough! I wouldn’t hesitate to recommend her to anyone!
Jasmin P.
Glen Giggins from the icredit team recently helped with the finance for the purchase of our brand new gooseneck through Peaceland Horse Floats and Goosenecks and he was wonderful!!! he made the whole process so easy and went above and beyond to ensure we got the lender that met our needs. Both Glen and the services he provides are Highly recommended
Tahliah P.
Great service & made so easy. Fast
Rebekah C.
Kim is extremely helpful and very good at what she does. Quite happily recommend her.
kellithorpe115
Good afternoon please I don't understand this app again you use auto debt to debt from account the sum of 36920 and you still asking me to pay please Check ur record well
Adekunle A.
Kim was excellent to deal with working with me outside of business hours definitely helped to, will definitely be going back to Kim for any broker needs!
Maxwell B.
Scott from iCredit was fantastic to deal with when we purchased our new horse float. He made everything so easy and nothing was too much trouble. Highly recommend dealing with this company.
Tina R.
I’ve used icredit for multiple loans and Scott has been nothing but professional, fast and amazing to work with. Can’t recommend them enough.
Fraser G.
derek S.
Christine helped us with our finance & we could not recommend her highly enough she answered every question we had went above & beyond to help us,Will be recommending her to everybody ! Thank you so much christene for the best customer service !
Hayley R.
Christine From iCREDIT helped me get the car I wanted, she was so helpful and nice And it was quick, easy and low rate. She is absolutely fabulous at what she does, I highly recommend this lovely lady.
Alirra B.
Christine at ICredit is Amazing she went above and beyond to help us. I can honestly say i don"t think i have had better service and care anywhere ever! All times of day of night Christine was offering to help. Thank you Christine you made ta stressful process very enjoyable. Thank you , you a are Legend.
Cindy H.
I got my car loan processed and approved super quick, without any issues.AMAZING AND PROFESSIONAL
Eliza C.
Big Thank you to Glen Giggins for helping me refinance my home loan. Thank you for your patience and keeping me informed during the tedious process. I have a much better interest rate and lower mortgage repayments! Cannot recommend Glen highly enough!
Jade L.
Highly recommend the team at icredit very helpful with getting a loan.
Amanda B.
Big Thank you to Glen Giggins for helping me refinance my home loan. Thank you for your patience and keeping me informed during the tedious process. I have a much better interest rate and lower mortgage repayments! Cannot recommend Glen highly enough!
Jade L.
Kim is absolutely fantastic!She always had good communication during the process.Everything was quickNo words for her efficiencies and dedication .Well done Icredit to have such a valued team 😊
Yazmina L.
Lyn W.
Easy to deal with and very friendly staff. Fast turnaround time getting loans sorted
Daniel J
very happy with the service Kim was very nice and very helpful thankyou
Jade R.
Absolutely awesome company. Scott was amazing, made the process so quick and easy as was always around to help when needed. Got the car I've wanted for ages and in the colour I wanted. 100% recommend when looking to buy a car like I was. Appreciate it Scott!
Molly M.
Christine has been amazing. This time with our car purchase she got approved for us in just 2 days. Always positive and ready to help. Will definitely be going back for a 3rd time when we need help with our next finance request. Thank you so much Christine.
Heather B.
Great service, very prompt from Kim in what was a slightly difficult situation, would highly recommend!!
Jason W.
I would like to thank Kim Shelverton for her assistance in getting my car loan.Kim is very friendly and professional it was a pleasure to deal with her.It was easy to get in contact with her no matter the time. I would recommend Icredit if you are looking for a a car loan.
EVA S.
Todd B.
Shout out and a HUGE thank you to Christine at ICredit. Christine managed to obtain my funding at an incredible rate when I wasn't even sure that I could get approval!!! First loans are difficult when you are young. She process my loan with amazing speed, walked me through the process with ultimate professionalism and dealt with the car dealer, lenders and insurer for me. Christine took away all the stress associated with borrowing money to finance a car and completely took care of everything for me. I cannot recommend her highly enough! If you are looking for finance, contact Christine. You will not be disappointed. Thanks Christine!
Brock L.
Friendly, knowledgeable and easy to deal with. Everything advised, you know what you need to provide and updates are provided throughout the process. They will even deal with the dealer direct to save you being the middle man. Approval and documents ready to sign within hours.
Meagan A.
Kim is a great help, friendly and helpful, makes it a lot easier than doing it alone.I will be using her when ever I need something
adam B.
Very satisfied with the service - the speed of settlement was incredible and puts my bank to shame.Kim is friendly, knowledgeable and determined to make sure that everyone walks away happy from the experience.I'd give 6 stars if I could.
Steve H.
Kim and Scott were so accommodating and helpful and kept things smooth sailing the way through! They were patient and friendly 🙂
Teresa W.
Christine from icredit was the only person i had dealt with that listened to exactly what i wanted, if it wasnt for christine, i wouldnt be driving my car, or be im a better position to be able to buy my first home in the next 2 years. Cant thank her enough and i give her a million stars, only deal with christine
Ethan L.
Jay T.
I cannot recommend Christine from iCredit highly enough. I had been dealing with another broker who had done nothing but talk for 2 weeks before I called her. It was a complicated loan because of self-employment and the fact I had borrowed nothing from anyone in 12 years. Christine was onto it asap and got it all done within a week. Everyone happy; No tears.
Rondell J.
A big thank you to Christine. Help me get my new 4WD Patrol within days at a better interest rate than the banks. Simply and stress free process. Cannot thank her enough.
Johnny O.
Lachlan S.
This is the 2nd time I've worked with Matt. He was recommended to me as he helped someone get a loan who might not have been able to.He's helped me get 2 cars so far and even my dealership was impressed at the speed at which he organised everything and settled the contract.I will continue to use Matt for all vehicle loans.
Ethan H.
Matt at iCredit has been awesome. The application and approval process was easy and very quick and the communication from Matt great.I would highly recommend this Company for their pain free and fast service.
Kerry S.
A big thank you to Christine. Help me get my new 4WD Patrol within days at a better interest rate than the banks. Simply and stress free process. Cannot thank her enough.
Johnny O.
Awesome customer service and managed to get me a great rate on my personal loan. Highly recommend contacting the team at iCredit for your lending needs.
Steve W.
Christine was absolutely amazing with helping an making sure everything worked out ! Cannot thank her enough ! ?
sam F.
Emily fromICREDIT was most helpful very easy to contact at all times for any help at any time couldn’t recommend her enough
casey H.
Doing business with Kim was a breeze. Kept me informed throughout the process. Highly recommended 👌
andrea M.
Glen Giggins from the icredit team recently helped with the finance for the purchase of our brand new gooseneck through Peaceland Horse Floats and Goosenecks and he was wonderful!!! he made the whole process so easy and went above and beyond to ensure we got the lender that met our needs. Both Glen and the services he provides are Highly recommended
Tahliah P.
Excellent customer service and extremely quick with the whole process.
Daniel P.
I can’t recommend Christine at iCREDIT enough. She went above and beyond for us to make sure we got the product we were after. She made the process so easy and at rates better than our bank. Thanks Christine!
Kim D
Thank you very much. Scott is the best
Laura C.
Can’t thank Emily enough, gorgeous person to deal with!! Patient and understanding Thankyou for the lovely service
Kiara T.
I cannot recommend Scott from credit enough! This is the second loan in a year Scott has helped me with and I couldn’t be happier with the service he provides.Nothing is too much trouble and my experience both times has been hassle free! Thanks Scott and Team!!
Racquel L.
Kim Shelverton made the entire process so effortless and less stressful, nothing was an issue for her, she is very friendly and helpful. Thank you Kim for all your help.
Paul M.
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You should however take into consideration that an online car loan calculator is to be used as a Guide Only and may not include all fees and charges. Every effort has been made to ensure the accuracy of the calculator,  however use and results are at your own risk. Banks and vehicle financiers will base their final decision on the vehicle age, the amount borrowed and the overall profile of the customer.