Skip to content
Arham Finance
Get started ↗ Order Credit Report Source Vehicle
MAKE ROOM FOR THE NUMBERS.

Loan repayment
calculator

Change the amount, term and sample rate to explore your budget. These are estimates, not a quote or an available product.

Explore $1,000–$250,000 using either control. This is a calculator range, not a loan availability or eligibility limit.
Explore 6–84 months. Available terms depend on the actual product.
10% is an illustration, not an advertised rate or a comparison rate. Change it to explore a different scenario.
Explore a final balloon payment

Some products may allow a final lump sum. It remains payable at the end; refinancing it is not guaranteed. This calculator does not confirm availability.

Leave at $0 unless you want to explore this structure.

Looking at property-backed private lending? Prepare a private lending scenario. This calculator does not model drawdowns, retained interest or capitalised fees.

A LITTLE CLARITY GOES A LONG WAY.

Good questions. Clearer numbers.

Just exploring? Where should I start?

Choose an amount, then try a few terms and sample rates. Watch both the regular repayment and the total repaid. You can adjust the numbers as often as you like; using this calculator does not submit an application.

I don’t know my interest rate. Can I still use this?

Yes. Try different sample rates to see how the estimate changes. The starting rate is only an example. Your actual rate and fees would be confirmed separately after assessment.

A longer term looks easier. What’s the trade-off?

Spreading repayments over more months can reduce the regular payment, while increasing the total interest. Compare the total cost as well as what fits your monthly budget.

Why do the weekly and fortnightly figures look different?

They are equivalents of the monthly estimate, converted across 52 weeks or 26 fortnights. They are not separate repayment schedules. Your actual payment dates and interest calculation may differ.

Does the estimate include every cost?

No. Fees, insurance and other charges are excluded. Ask for the full costs, any early payout charges and the applicable comparison rate before deciding. A balloon, if selected for a vehicle example, is included in the total repaid.

Is a balloon payment an option for my plans?

A balloon is a final lump sum that may be available for some vehicle or asset finance structures. It is not an option for a personal loan. It can reduce regular repayments, but the final amount still needs to be paid; refinancing it is not guaranteed.

Does the amount I enter mean I can borrow it?

No. The $250,000 calculator limit is an exploration range, not a borrowing limit or approval. Available amounts, terms and repayments depend on your circumstances and the actual product.

Find a comfortable starting point.

Include essential expenses, existing commitments and ongoing costs in your budget. The calculator does not assess affordability, eligibility or approval.

Need help finding your starting point? →
WhatsApp