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Loan Eligibility Calculator Australia

See how much you can borrow in Australia on your salary in AUD, and what Australia banks actually require before they approve you.

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Borrowing requirements in Australia

What you can borrow in Australia is set by your income in AUD and your existing commitments. Buzdy holds published eligibility terms for 18 lending products from 8 banks in Australia — the real requirements are listed below.

Looking for a credit card in Australia?

Compare what banks in Australia actually offer — rates, fees and eligibility, updated for 2026.

Best Credit Cards
Best Credit Cards in Australia
8 banks
1,716 branches
729 cities
209 ATMs
Currency AUD

Loan requirements in Australia

LoanBankMinimum incomeMaximum amountTenure
Fixed Rate Loan Commonwealth Bank —A$4,000 – A$50,0001 year – 7 years
Secured Fixed Rate Car Loan Commonwealth Bank —A$4,000 – A$120,0001 year – 7 years
Unsecured Personal Loan westpac banking corporation —A$4,000 – A$70,0001 year – 7 years
Car Loan westpac banking corporation —A$10,000 – A$100,0001 year – 7 years
Electric Car Loan westpac banking corporation —A$10,000 – A$130,0001 year – 7 years
Variable rate personal loan National Australia bank limited —A$5,000 – A$55,0001 year – 7 years
Fixed rate personal loan National Australia bank limited —A$5,000 – A$55,0001 year – 7 years
Variable Rate Loan Commonwealth Bank —A$4,000 – A$50,0001 year – 7 years
ANZ Fixed Rate Personal Loan ANZ Australia —A$5,000 – A$75,0001 year – 7 years
ANZ Variable Rate Personal Loan ANZ Australia —A$5,000 – A$75,0001 year – 7 years
Student Personal Loan (secured) bendigo bank ——7 years
Green Personal Loan (unsecured) bendigo bank ——7 years
Personal Loan (unsecured) bendigo bank ——7 years
Student Personal Loan (unsecured) bendigo bank ——7 years
Green Personal Loan (secured) bendigo bank ——7 years
Hybrid Car Loan westpac banking corporation ——1 year – 7 years
Car loan National Australia bank limited —A$100,000—
Personal Loan (secured) bendigo bank ——7 years

18 lending products with published eligibility terms.

Banks we track in Australia

Commonwealth Bank 411 branches · 8 products bendigo bank 325 branches · 7 products westpac banking corporation 313 branches · 5 products ANZ Australia 276 branches · 7 products National Australia bank limited 259 branches · 4 products St. George Bank 122 branches · 4 products Macquarie bank 12 branches · 1 products ING Australia 3 branches · 2 products

Keep going in Australia

All banks in Australia Bank branches in Australia ATMs in Australia EMI calculator — Australia Credit card finder — Australia Mortgage calculator — Australia Savings calculator — Australia Money-back checker — Australia

Guides for Australia

Best Credit Cards in Australia 2026

Australia — frequently asked questions

Do I need to transfer my salary to get a card or loan in Australia?

Not always — 20 of the 20 cards we track in Australia state that a salary transfer is not required. Transferring your salary to the lender often gets you a better rate anyway.

How much can I borrow on my salary?

Most lenders cap total monthly repayments at roughly 50% of monthly income (the debt burden ratio). The checker above applies that rule to the salary and existing repayments you enter, then converts the spare capacity into a maximum loan.