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Loan capacity calculator

Is this loan for a specific asset (e.g. a vehicle)?
Living, bills and leisure expenses. Don't include existing loan or credit card repayments, you'll add those separately below. This is a guide only, not a formal serviceability assessment.
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Hi Emily, here's how $30,000 looks across a few scenarios.
Estimated available monthly capacity:
$826
Financed amount incl. fees: $31,485 (loan $30,000 + broker fee $990 + origination fee $495). Monthly figures below also include the $8/mo account holding fee.
Lower rate scenario
(7.99%)
3 yr term
Tight
~$987/mo
5 yr term
Tight
~$987/mo
7 yr term
Tight
~$987/mo
Mid rate scenario
(7.99%)
3 yr term
Tight
~$987/mo
5 yr term
Tight
~$987/mo
7 yr term
Tight
~$987/mo
Higher rate scenario
(7.99%)
3 yr term
Tight
~$987/mo
5 yr term
Tight
~$987/mo
7 yr term
Tight
~$987/mo
These figures are indicative only and are not tied to a specific lender or a formal quote.
Your actual rate and capacity depend on a full assessment of your circumstances.
Want to know exactly where you stand?
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The Centsible Team

With decades of combined experience in asset finance across consumer and commercial lending, our team delivers clear, practical solutions from first enquiry to final approval.

Meet the team
Jim, Centsible Finance team member, black and white portrait
Jim Hogg
Senior Finance Broker
Emily, Centsible Finance team member, black and white portrait
Emily Hogg
Finance Broker & Digital Strategist
Hai, Centsible Finance team member, black and white portrait
Hai Doan
Finance Broker
Luke, Centsible Finance team member, black and white portrait
Luke Matthews
Finance Broker
Andy, Centsible Finance team member, black and white portrait
Andy Ta
Senior Finance Broker
Christopher, Centsible Finance team member, black and white portrait
Christopher Smith
Finance Broker
Lyn, Centsible Finance team member, black and white portrait
Lyn Mawhinney
Finance Broker
Steve, Centsible Finance team member, black and white portrait
Steve Clarke
Finance Broker

Whether you’re investing in yourself or growing your business, we’ll help you find the perfect loan—no stress, just Centsible options tailored for you.

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