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

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Budgeting  Calculators

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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

Kim was really lovely. Great customer service and helped me get a great car 👍👍👍👍
Vombatus P.
We dealt with Kim and she was very fast and clear with requests and over all pleasant to deal with compared to others. We had our loan approved within days and we are over the moon with how easy it all was considering our work hrs and location. Highly recommend Kim!
Teagan K.
Lyn W.
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.
Once again Christine from iCredit has gone well & above the call of duty in securing a loan for us for a new horse float. Christine is a pleasure to deal with & takes the stress out of borrowing & makes the transaction smooth & easy.icredit & Christine are the only company that we will deal with in the future...We can't Thankyou enough Christine x.
Elizabeth F.
Al was extremely easy to work with and very pleasant to speak to, very happy with the help.Would recommend these guys to anyone
Diana T.
Kim was great to deal with and kept in constant contact with me over the whole process of refinancing. She saved me 10% on my personal loan and helped me purchase my dream motorbike. I couldn't recommend enough
Arron B.
Kim was great to deal with, very fluent and clear with communication and able to get the money I needed . Very impressed wit the service that was provided
Adrian S.
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.
Would most definitely recommend Christine for her professional attitude and helpfulness. She got the loan approved at a way better rate than the bank and car dealership, insurance was very cheap and she even got a better price on the car for me. Best finance broker and a one stop shop.
Dylan W.
Wayne was terrific. Got me the financial help I needed to get my new horse float. He did all the work and it was so easy. Recommend Wayne 200%
Sarah W.
Scott from iCredit is a legend!, his skill and knowledge made sure I got the deal I was after, stress free and fast!!I cant thank Scott enough for his help, I will be sure to recommend iCredit and refer all the people I know your way.
Nathan L.
Scott was absolutely amazing both times we used ICredit. He made the loan process uncomplicated and easy for us. Very understanding and helpful. Will be dealing with him again.
Kath H.
Christine was a real pleasure to work with nothing was a hassle and she was very prompt and efficient with her service.I would highly recommend her service.A top Aussie Sheila
Murray W.
Kim was very friendly, helpful and nothing was a bother she went out of her way to help fantastic. Would use Icredit againFelicity23/9/22
Felicity K.
Thank you Christine Pyle for all your assistance! What a smooth, easy transaction. You took this situation that is always stressful and handled it all! I simply said what I was after and you did the rest. I can't thank you enough for the outstanding customer service and support! You stayed in contact with updates and turn around was so quick ...If you are looking for a car, give her a call you won't be disappointed. Thank you for the stress free interaction.
Renee F.
Awesome people awesome service.
Toula S.
Briohny M.
Julie from icredit was absolutely amazing, she was so awesome to deal with got me exactly what I wanted hassle free and did all the hard work for me. I will not be going anywhere else in the future and will be recommending her to everyone I know who needs a loan.
Annie C.
Ryan M.
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.
Amazing service Scott was fantastic and great communication. Highly recommended
Anna P.
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 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.
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.
Cannot recommend Scott enough! Sourced a great interest rate, easy to contact and worked hard to get loan finalised by our deadline. Thank you �
Alyssa H.
Just like to thank Kim shelverton for her excellent customer service. Was a pleasure doing business with Kim a very big thank you once again cheers Scott and Sharon.
Scott G.
Wish I could give 10 ☆ Matt was absolutely fantastic to deal with went above and beyond will definitely use icredit again for any finance needs Thanks Matt
Shell T.
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.
Thank you Scott, Matt and Julie for your proffessional and friendly business
Anne-marie Rivière G.
I would most definitely recommend Scott at icredit, he was fast efficient and very friendly. It was a smooth and pleasant transaction, I would not hesitate to deal with Scott again.
Stephanie P.
Christine is the go to woman for all finance needs. I can't thank her enough for the deal she got on the car and the finance. Very low rate and the exact car I wanted. Definitely recommend her.
Daniel C.
Dedicated to helping you to realise your dream.
Pat C.
Scott was great to deal with..especially with both of the loans..our daughters float and our new 4x4 which is called 'Crisis' 😍😍 Nothing was ever a hassle..we were kept up to date with what was happening...the whole process was not as stressful as we thought it would be lol...And even tho it was a couple of months between transactions he remembered who we were...I highly reccommend scott and the icredit team
Liz B.
Scott was amazing with all his guidance in financing our new gooseneck. 5 star for his service just does not do it justice. Thank you for all your help...... Bring on tomorrow can't wait to collect our new home away from home......
Toni C.
After dealing with Christine on several occasions for numerous purchases of ours, we cannot recommended her highly enough!! Amazing service is an understatement!! We're definitely customers of hers for life!!
Jess P.
I bought my gooseneck from Peaceland floats. This was delivered to Christine's home for us to collect. When we got there we soon discovered my vehicle I had bought had not been fully finished to legally tow my gooseneck as I had requested . Christine bent over backwards to assist in getting the modifications sorted through a dealership close by to so we didnt have to make the over 600k round trip again. She was amazing as helped us so much even though we hadn't gone via her to buy the trailer. Anything else we need to acquire in the future we will be definitely contacting Christine . I totally recommend her for your needs . If she bent over backwards for us with our own little glitch and made it happen, the mind boggles what professional service she would bringfrom the beginning .
Robbie B.
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.
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.
The best broker I have ever dealt with. if you require a loan for a caravan, Kim will make the process smooth and hassle free.Nothing was too much trouble and her ability to explain the often complicated small print in layman's terms was invaluable.Thanks again Kim, I can thoroughly recommend iCredit.
Craig M.
I would like to thank Christine from icredit for being totally awesome and professional. This is the 3rd time I have dealt with Christine and I couldn’t be happier with the results . Not only did Christine find the lowest interest rate she also had everything done and signed in no time . I highly recommend Christine at icredit . Thankyou
Liz R.
I would highly recommend iCREDIT and definitely recommend Scott. Not only was he extremely efficient and professional. He went above and beyond to help me out. I will definitely use Scott and iCREDIT again.
Sally P.
We applied for the secured loan on Monday and I am collecting my new horse float today. Scott Collins has been amazing with excellent customer service all hours of the day when we had questions. Would highly recommend these guys.
Justine D.
Thank you very much. Scott is the best
Laura C.
Kim was happy to help at any time, great work
Victor S.
Christine took all the pressure off and gave sound advice when I applied for my loan. She put me at ease every step of the way, kept in touch and handled some of the ground work for me and the process which I thought would be daunting was a breeze. Thank you Christine, thank you iCREDIT.
Miria M.
Friendly service and a quick response. The support we got from Wayne was outstanding. Highly recommended , the bestThank you
Andreas M.
Anthony L.
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.
Just wanna say a quick and a massive thank you to icredit nd Scott for your help..Scott keep up the good work and I will recommend you and icredit to any of my friends nd family members, thanks again..!!
Solematt F.
Scott is a true legand, without him I would have not got my horse float. Aways rang me back and was always polite and helpful. Thankyou icredit and Scott
Raelene H.
We have dealt with Christine Pyle multiple times for our finance needs, and everytime she has gone above and beyond to assist us. Christine is professional, knowledgeable and caring. We highly recommend her for any of your finance needs, and will be definitely calling Christine for any of our future finance needs!!
Anita W.
I would HIGHLY recommend iCredit, Christine was amazing for us. She done it in the time frame we needed and she is just incredible. She made the process so stress free!! 10/10 would recommend Christine if you are looking for your next Horse float!!
Justin G.
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.
The best finance customer experience ever, Kim was absolutely outstanding in the most fluid financial transaction I have ever experienced .Once again thank you Kim for your hard work , and processing my application in such a timely fashion. 😁😁
Jason B.
With ICredit and thanks to Scott was able to get car loan easily and no stress. Cannot recommended him or ICredit enough.
Donna 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.
Absolutely AMAZING customer service!! Couldn’t recommend Icredit enough!! Scott went above and beyond to assist me with the finance of my new float ♥️
Kelly S.
100% Hands down the best team for your financing needs. I have been using and happily recommending Icredit for over 8 years for both my own business equipment finance and also for our customers. Hundreds of loans secured by Icredit and nothing but great feedback. Nobody else compares 👌
Andrea J.
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
Thank you so much Matt.I cant believe how quick and easy you made getting my horse float loan.Highly recommend this service (and the staff are so helpful, knowledgeable and friendly! !!!
Sharon Eslick S.
Très bon
Nakan Modeste H.
I would like to thank Christine for the amazing job she did getting my brand new car. This is the first time I have used Christine and I can’t thank her enough .Christine helped with not only the finance but the purchasing of the car as well, would highly recommend anyone needing finance.
Michael W.
Scott handled my situation so professionally, along with great customer communication. I could not be happier with the service provided by iCredit. Thank you again.
Brennan T.
Kim Shelverton is a great broker, she guided us through the whole process and made getting the money to buy our brand new caravan really easy.
Karen F.
really fast and good service
Matthew Q.
Thanks to Scott. A great help for someone who is self employed. Nothing was too hard. Handled everything for us.
Nick A.
Todd B.
Matt provided a gold standard service can't recommend highly enough. I would go to Matt before any bank in the future 👍🥂cheers to you Matt
Gaye Tunbridge B.
Can’t thank Emily enough, gorgeous person to deal with!! Patient and understanding Thankyou for the lovely service
Kiara T.
Kim in Hobart was amazing. Was a quick approval and she was easy to deal with knowledgable and very easy to deal with! If your in the market for a boat or bike she is your gal! Thanks Kim and i-credit
willliam C.
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.
I dealt with Wayne during my loan application! I did not expect the service I received! I’m talking after hours I’m talking any time of day or night this man was the most amazing person I’ve ever dealt with we clicked not just on a professional level but person as well! I was really taken aback by the service this man provided me I’m not too computer smart and done the whole thing on the phone! Thanks to this man my special needs child has one thing in his life now that makes him smile more than I’ve seen this child smile in my life! It was a quad bike I applied for and Wayne was absolutely amazing throughout the whole process would ask if I wanted help with the forms during his OWN TIME AFTER HOURS I can not thank this man enough! He’s given my child a smile I’ve not seen before and if anybody out there is looking to finance anything! I strongly recommend you call icredit and ask for Wayne! I can’t thank this man enough for his efforts and commitment! Forever grateful to this man I wish I could buy him a beer or ten as a thank you! Remember the name Wayne!!! He’s your man people! 100% thank you so very much
Damon A.
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.
Scott at Icredit!!! What a legend!!! At July 2022, interest rate rises and changes to rules for lending (now includes Afterpay and zip pay statements to be included) got given the run around!! Saved me a lot of stress and heartache!!! Got there in the end!! Kept me updated answered any questions I had!! Highly recommended
Bron W.
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
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.
I would highly recommend Christine from iCREDIT. Christine was extremely helpful and professional in helping us secure a car loan and I would recommend Christine for all financial assistance. Michelle and Gavin.
Michelle 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.
Christine was amazing easy to talk to and offered finance options that suited my needs. I was very happy with her services and wouldn't hesitate to recommend her to anyone else.
Tammy S.
Kim was awesome in helping me get my car loan. Thankyou so much Kim xx
Lesley W.
Emily and Scott went above and beyond for me, they returned calls after buisness hours and were incredibly friendly and helpful throughout the entire process! Thankyou Emily and Scott!!
Carly D.
Anthony James A.
Totally fantastic service by the Team.Especially Scott Collins who made my application for a new work vehicle so easy
Scutt N.
Dealing with Icredit has been excellent and Scott Collins and team go above and beyond to secure the right loan. I would highly recommend their service.Jason The Tavern
Patrica N.
Easy to deal with, friendly staff
Brad H.
I would highly suggest using iCREDIT if going for finance as Scott is amazing to deal with and makes everything so simple and easy. Scott always answers the phone which is a big thing for me so if I had questions or wanted to know something I knew I could ring him at anytime and get the answers that I needed. Scott kept me up to date with what was going on and I never felt like I was being left out of the loop. Amazing company and will be using them again in the future. Thankyou scott
Tanya L.
Matt O.
I can not thank Christine and Renee from icredit enough for their service and determination in helping with my purchase. They are professional and work to get the best outcome possible.I highly recommend both Christine and Renee.
Chasing Change - Life C.
Great service, very prompt from Kim in what was a slightly difficult situation, would highly recommend!!
Jason W.
We got referred to Christine by a friend and it was the best decision we made! She was amazing to deal with always ready to answer any questions we had. She made it a simple and easy process, she saved us a lot of money, we can’t thank her enough for all her help, she went above and beyond to get us our car. We will definitely use her again if we ever need! Thankyou Thankyou Thankyou!
Holly M.
bash G.
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
Kim is extremely helpful and very good at what she does. Quite happily recommend her.
kellithorpe115
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.
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.
Doing business with Kim was a breeze. Kept me informed throughout the process. Highly recommended 👌
andrea M.
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.
Beautiful person to deal with. Took the stress out of it all and made my dreams come true thank you christine
Christine G.
Excellent service - responsive, efficient and friendly.
Cate H.
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.
I can highly recommend Scott, for his fast, friendly and professional service. Nothing was too much trouble. 100% Delivered. Happy Customer
Deidre C.
Scott and the team at iCredit are defiantly the most knowledgable. Very helpful, friendly and prompt services without the headaches - would always recommend these guys!
Corey K.
Kim was nothing short of professional. She worked with me to achieve the best outcome possible and was there every step the way. She explained everything to me in terms which was easily understood and worked out my needs. If you need any finance she is your person to talk too. She will go above and beyond to ensure your financial needs are cater for without compromise. Thanks again Kim!
Timothy C.
derek S.
So easy to work with best loan experience in my life so far ..
brianna S.
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.
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.
Great people to deal with, Scott helped us out so much for a fast result couldn’t be happier
Wayne W.
I have just moved to QLD from WA and Christine Pyle has been an amazing support for me to finding the perfect car for me. Christine made me feel so valued and went above and beyond to help me and my husband with the paperwork and other requirements needed to complete everything. I have certainly recommended Christine's professional and respectful standard and style of work to my friends and family and I would not hesitate to work with her again. Thanks so much Christine - you rock!!
Maria H.
Paul S.
Great service and always help out
Wally C.
We had a fantastic lady deal with our matter a she was great, she had all the answers we needed and nothing was to much.I cannot speak highly enough of she .great job.
Kevin H.
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.
Mara O.
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.
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.
Thank you for your assistance Jason brazier 🤙
Jason B.
Matt provided a great service and found me a good car loan in a short time frame. He was very patient with my questions and worked through a few financial issues for me too. Would definitely recommend.
Jono K.
Huge thanks to Christine!!!She seriously is a dead set legend!She made the impossible happen when no other broker could.She has helped me get my dream float at Tuza and I couldn’t be happier!!Will be using her again in the future and will be sure to tell everyone I know about her!She deserves a bigger pay packet that’s for sure!!!Thanks again Christine.
Kayla Frankie P.
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.
We have had Christine help us with 2 major purchases and this lady is magic. Christine thank you for making both times stress free, you have set the bar high and I could not recommend your services enough.
Tammi C.
Highly recommended .. they are extremely professional!
Maria E.
Julie was amazing. Went above and beyond what we would or could of ever expected from anyone. Would recommend to anyone!!!
Rochelle L.
scarlett B.
Christine was absolutely amazing with helping an making sure everything worked out ! Cannot thank her enough ! ?
sam F.
I would like to give a massive thank you to Christine of icredit when I recently purchased a horse float through Peaceland Horse Floats.Christine spent a lot of time discussing the pros and cons of various types of floats and I was also able to go to her home to view her custom float for ideas and to see if I liked the model.Once I purchased my float, she was happy to have it delivered to her home so I could collect from there.When I went to register the float, there was an issue whereby the staff member who measured the float said it was too wide (an error on their part). Christine spoke to dept of transport & the manufacturer to resolve the issue for me.The next day she arranged for an independent inspection certificate to be done (which the manufacturer paid for). There was nothing wrong with the float but Christine's efforts meant I could then register without having to re-present my float for measuring.I would highly recommend Christine to anyone looking to finance the purchase of their next float. She went above & beyond to make the experience as seamless as possible.
Caroline J.
I would like to thank Christine for the amazing job she did getting my brand new car. This is the first time I have used Christine and I can’t thank her enough .Christine helped with not only the finance but the purchasing of the car as well, would highly recommend anyone needing finance.
Michael W.

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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.