Borrowing & credit

Understand your options before you borrow.

Explore common borrowing considerations and estimate repayments with a simple calculator. Actual eligibility, rates, fees and terms depend on the product and your application.

Estimate repayments Talk to support

Borrowing guide

Plan with clarity

Know the monthly cost.

Compare the amount, repayment period and interest assumption before making a decision.

01Review

02Estimate

03Apply

Borrow responsibly

Start with the essentials.

Borrowing can help with planned expenses, but repayments should fit comfortably within your budget.

Review affordability

Consider income, essential spending, existing commitments and room for unexpected costs.

Estimate a payment

Understand the terms

Check the interest rate, fees, total amount repayable, due dates and any early repayment conditions.

Ask a question

Choose a suitable term

A longer term may lower each payment but can increase the total interest paid over time.

Compare scenarios

Illustrative tool

Repayment estimator

Adjust the example amount, term and annual interest assumption to see an estimated monthly payment.

Example loan amount$15,000

Repayment term24 months

Illustrative annual rate5.50%

This calculator is for illustration only. The rate is not an offer or a quote. Actual rates and fees may differ.

Estimated monthly payment

$661

Amount borrowed$15,000

Estimated interest$864

Estimated total repayment$15,864

Continue to account options

What to expect

A considered approach to borrowing.

Submitting an enquiry or opening an account does not guarantee approval. Any application is subject to eligibility checks, affordability assessment and the applicable product terms.

1
Review your needs
Decide how much you need and what repayment would be manageable.
2
Read the product terms
Confirm rates, fees, eligibility, repayment dates and conditions before proceeding.
3
Submit an enquiry or application
Provide accurate information through the relevant official channel and await a decision.

Need help understanding your options?

Contact the support team for guidance on where to find product information and next steps.

Contact support

Important information

Figures shown by the repayment estimator are examples and do not represent an approved offer. Product availability, eligibility, fees and terms may vary. Review official product disclosures before applying and borrow only what you can afford to repay.