All Interest Repayment amounts are due on the 22nd of each month (or next business day if this falls on a weekend or Public Holiday). The determination of whether it is a 30 or 31 day month will depend on how many days are in the previous month to when the repayment is due. For example, the repayment due on the 22nd of April would be a 31-day month repayment, as there are 31 days from (and including) the 23rd of March to the 22nd of April.The results from this repayment calculator are an indication only. Results are not an offer of credit, and do not represent either quotes or pre-qualifications for the product. The interest rates used in the assumptions are variable rates and are subject to change in line with the Australian Reserve Bank’s cash rate. The credit provider applies a margin of 5.25% to the ARB’s cash rate. The indicated repayments are interest only and the loan will require a lump sum payment of the full outstanding balance to finalise the loan. Calculations are made on the assumption that the repayments are made in full on the due date each month. The indicative monthly repayment does not include the loan application fee of $100.00 nor does it include the annual fee of $25.00, payable on each annual anniversary of the commencement of the loan. A payment dishonour fee of $30.00 applies if for any reason a monthly direct debit is unable to be processed. Default interest in the amount of 3% per annum (in addition to the standard interest rate) is applicable when a loan falls into arrears. This repayment calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product and does not consider your personal financial circumstances. You should consider if this product is right for you and obtain advice from a licenced financial professional before making any financial decisions. Further terms and conditions which will be outlined in any finance offer also apply. Any finance offer will be subject to the credit provider's credit criteria.