See how a rate rise changes your repayment

Adjust the figures to compare your current payment with a higher rate and possible loan structures.

Your loan

Loan balance ($)

Years remaining

Current rate (%)

Rate after rise (%)

Illustrative refinance rate (%)

Change this only if an actual rate is available.

Estimated repayment increase after the rate rise——

Today · principal & interest—

After rise · same remaining term—

Target monthly payment—

Monthly estimates assume the rate stays constant and repayments are made monthly. Your actual lender repayment may differ.

Principal and interest at the illustrative refinance rate.

Estimated monthly payment—

Compared with today's payment—

Interest only at the illustrative refinance rate; principal is not reduced during this period.

Estimated monthly payment—

Compared with today's payment—

Principal and interest, where a lender offers a 40-year term and the borrower qualifies.

Estimated monthly payment—

Compared with today's payment—

With a 30-year principal and interest term, before fees.

Indicative maximum rate—

A matching rate is a mathematical threshold, not a lender quote or an indication of eligibility.

Add existing debts and their actual monthly repayments. The calculator compares total required payments before and after consolidation.

Personal loan balance ($)

Personal loan monthly payment ($)

Credit card balance ($)

Credit card monthly payment ($)

After rise + debt payments—

Consolidated at 30 years—

Compared with today's total—

Sunstate Advanced Services · Discuss your actual loan and circumstances with Masih before making a change.