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Knowledgebase
Personal Loan:
A personal loan is a loan provided to an individual or individuals (as opposed to a business) and that can be generally be used for a variety of purposes subject to the approval of the lender.
Debt Consolidation Australia :: Calculators
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Debt Consolidation Australia Car Loan Repayment Calculator

Calculate car loan repayments with our Car Loan Repayment Calculator. View detailed amortization charts to compare terms, track interest, and plan your budget with confidence.

Calculator results are estimates only and not quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

Car Loan Details:

Remember to make allowance for stamp duty, registration, insurance or other costs to be included in the loan where applicable.
Enter whole numbers only please, no dots, commas etc.

If you have a deposit or a trade-in, include the amount here
Enter whole numbers only please, no dots, commas etc.

(if applicable)
Select the number of years over which you would repay the loan.

A longer Loan Term will mean lower monthly repayments but at a higher cost overall.


The options below are indicative of what lenders currently offer.

Years
Select an interest rate for the calculator simulation.
The range of rates listed below are representative of those currently available.

Your actual rate can only be confirmed after you apply.


% per Annum
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Car Loan Repayment & Amortisation Calculator

Important!

Car Loan Interest Rates differ from lender to lender and will depend on your individual circumstances (credit history, employment status, age, etc.). To find out if you qualify ... and for a free, personalised interest rate and repayment quote, please CLICK HERE

Car Loan Amortisation Calculator

The following amortisation graphs detail month-by-month data on the progress of the proposed loan. The first chart below examines the reducing loan balance over the course of the finance contract term. The second graph illustrates the portion of each monthly repayment allocated to payment of interest vs principal reduction.

Car Loan Repayment & Amortisation CalculatorCar Loan Repayment & Amortisation Calculator

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Debt Consolidation Articles

Managing Your Credit Card Debt Wisely in Tough Economic Times
Managing Your Credit Card Debt Wisely in Tough Economic Times
In light of the current economic challenges facing many Australians, managing credit card debt has become more crucial than ever. With rising living costs and financial uncertainty, accruing debt on high-interest credit cards can quickly escalate from a manageable inconvenience to a stressful financial burden. - read more
Debt Negotiation 101: How to Lower Interest Rates and Reduce Payments
Debt Negotiation 101: How to Lower Interest Rates and Reduce Payments
High-interest debt can feel like a relentless cycle for many in Australia, often making it challenging to gain financial ground. Whether it's credit card debt, personal loans, or other forms of borrowing, the compounded interest can quickly become overwhelming. Fortunately, debt negotiation presents a viable solution for those caught in this dilemma, offering a ray of hope to reduce financial burden. - read more
Proven Strategies for Australians to Improve Credit Scores
Proven Strategies for Australians to Improve Credit Scores
Welcome, readers! We're here to talk about something incredibly important yet often overlooked: improving your credit score. Your credit score is a financial report card used to evaluate your creditworthiness, and it can have a significant impact on your ability to secure loans, mortgages, and even rental agreements. - read more
The Importance of Emergency Funds in Your Monthly Budget
The Importance of Emergency Funds in Your Monthly Budget
When it comes to managing your finances, planning for the unexpected is a crucial part of staying on top of your budget. An emergency fund serves as your financial safety net, poised to offer support when unforeseen expenses arise. These funds are specifically set aside to cover unexpected costs, like medical emergencies, car repairs, or urgent home maintenance issues. - read more
The Ultimate Guide to Managing Personal Debt: Tips and Tricks
The Ultimate Guide to Managing Personal Debt: Tips and Tricks
Managing personal debt effectively is crucial for maintaining financial stability. Debt, when left unchecked, can quickly spiral out of control, leading to financial stress and a host of other problems. - read more
Finance News

ATO's Intensified Debt Recovery Efforts Prompt Surge in Financial Helpline Calls
ATO's Intensified Debt Recovery Efforts Prompt Surge in Financial Helpline Calls
02 Nov 2025: Paige Estritori
Recent data indicates a notable increase in calls to financial helplines across Australia, coinciding with the Australian Taxation Office's (ATO) intensified debt recovery initiatives. This trend underscores the growing financial strain on individuals and small businesses grappling with tax debts. - read more
How Financial Brokers Are Easing Debt Stress for Australian Businesses
How Financial Brokers Are Easing Debt Stress for Australian Businesses
02 Nov 2025: Paige Estritori
Australian businesses are increasingly turning to financial brokers to navigate the complexities of debt management amid rising insolvency rates. In November 2024, business insolvencies surged to 70% above the historical average, highlighting the urgent need for effective debt strategies. - read more
Australians Embrace Debt Consolidation Loans Amid Rising Financial Pressures
Australians Embrace Debt Consolidation Loans Amid Rising Financial Pressures
02 Nov 2025: Paige Estritori
Amid escalating financial pressures, Australians are increasingly turning to debt consolidation loans as a strategy to manage multiple debts more effectively. Recent research indicates a 170% surge in such loan applications over the past year, with the average loan amount reaching $33,000 and some as high as $68,000. - read more
Financial Secrecy in Australian Relationships: A Growing Concern
Financial Secrecy in Australian Relationships: A Growing Concern
25 Oct 2025: Paige Estritori
Recent research has unveiled a concerning trend among Australian couples: a significant portion are engaging in financial activities without their partners' knowledge. A survey conducted by Finder, involving 1,017 respondents—591 of whom are in relationships—found that over one in four (27%) are secretly accumulating debt, opening bank accounts, or gambling, all unbeknownst to their partners. - read more
Australia's Savings Crisis: Millions at Financial Risk
Australia's Savings Crisis: Millions at Financial Risk
25 Oct 2025: Paige Estritori
A recent survey has brought to light a concerning financial reality for many Australians: 43% of the population, equivalent to approximately 9.2 million people, have less than $1,000 in their bank accounts. This statistic underscores a significant vulnerability, as even minor unexpected expenses could lead to financial distress for a substantial portion of the community. - read more