Repayment Calculator

See what your repayments could look like — before you talk to anyone

Whether you're financing a truck, buying a commercial property, unlocking cash flow, or getting into your first home — plug in your numbers and get an instant estimate.

No forms. No phone calls. No obligation. Just a number you can actually plan around.

Loan amount
$
Interest rate (p.a.)10.0%
Loan term48 months
Balloon / residual0%
Monthly repayment
Total interest
Total cost
PrincipalInterest
Loan amount
$
Interest rate (p.a.)6.0%
Loan term25 years
Monthly repayment
Total interest
Total cost
PrincipalInterest
Loan amount
$
Interest rate (p.a.)8.00%
Loan term10 years
Monthly repayment
Total interest
Total cost
PrincipalInterest
Invoice value
$
Advance rate80%
Facility fee (per month)1.50%
Days to collect30 days
Advance amount
Fee cost
Net received

Want a real quote?
Drop your details and we'll come back with actual numbers — no obligation.
CF Financial Services Pty Ltd T/A Thrift Capital. Credit Representative No. 549230 authorised under Australian Credit Licence No. 543046. These figures are indicative estimates only and do not constitute a credit offer or approval. Actual repayments will vary based on lender assessment, fees, and charges.
Got it — we'll be in touch.

We'll reach out shortly with numbers that actually work for your situation.


How it works

1

Pick your product

Asset finance, home loan, commercial lending, or invoice finance — we cover the full picture for self-employed borrowers.

2

Enter your numbers

Loan amount, rate, and term. Adjust the sliders until the numbers make sense for your situation.

3

Request a real quote

Drop your details at the bottom and we'll come back with actual lender options — not just estimates.


Why self-employed borrowers use Thrift Capital

Banks make it hard when you work for yourself. We don't. We work with lenders who understand irregular income, ABN holders, and business owners — and we find the deal that actually fits.

60+ lenders

We shop across 60+ lenders to find the right fit.

Low-doc options

No two years of tax returns required.

Fast turnarounds

We move quickly so your deals don't stall.

We work for you

We represent you, not the bank.

These figures are estimates only

The calculator gives you a ballpark based on the inputs you enter. Actual repayments will depend on the lender, your credit profile, fees, and charges. CF Financial Services Pty Ltd T/A Thrift Capital is a licensed credit representative (Credit Representative No. 549230) authorised under Australian Credit Licence No. 543046. We recommend speaking with one of our brokers before making any financial decisions.