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Personal Borrowing Power Calculator

Estimate how much you can borrow and what your loan repayments will be.


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Loan details


Important information

Credit criteria, fees, charges, terms and conditions apply.

We are only providing you with factual information and not advice, it is your decision whether this product is right for you. Please read the Personal Loans Terms and Conditions, (PDF 213KB) Loan Account Fees and Charges (PDF 183KB) and Internet and Phone Banking Terms and Conditions (PDF 255KB) before deciding. If you need help, call 13 33 30.

Personal Loan Borrowing Power Calculator Disclaimer & Assumptions

1. The output shown by the borrowing power calculator is based on the information you have entered and is subject to the calculator assumptions set out below. It is for illustrative purposes only. The information provided is not an offer of credit and your borrowing power amount may vary once you have completed a loan application. The calculations should not be relied upon for the purpose of making a decision whether to apply for a personal loan.

The calculator does not take into account an establishment fee that maybe charged for a personal loan application.

Length of month
All months are assumed to be of equal length. When you are approved for a personal loan, interest will be charged on the number of days in each month. 

Number of weeks & fortnights in a year
One year is assumed to contain exactly 52 weeks or 26 fortnights. This assumes that a year has 364 days rather than the actual 365 or 366.

Rounding of amount of each repayment
This calculator does not round the repayment amount to the nearest cent, as it would for an approved personal loan. This assumption allows for a smooth graph and equal repayment amounts. 

Interest Rate
The interest rates represented on this page are St.George’s standard interest rates and exclude any package or promotional discounts and are subject to change. Please note our personalised pricing means your unsecured personal loan interest rate may vary from the interest rate represented on this page.

2. Comparison rates help you understand the total cost of a loan. The comparison rate is based on a Personal Loan with a loan amount of $30,000 and a term of 5 years. 

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

For the purposes of the Secured Loan, any motor vehicle offered as security must not be more than 12 years old upon loan expiry.

Unless otherwise specified, the products and services described on this website are available only in Australia from St.George - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.