^*Things you should know: This calculation is an estimate and provided as a guide only. It assumes the interest rate does not change over the instalment term and is calculated on the rate that applies for the initial period of the instalment plan you have requested. It does not take into account any fees associated with the offer, the initial interest charge, ongoing purchases and cash advances. As such, the minimum payment due on your statement will not be the same as the monthly repayment shown here. You can choose to pay more than the minimum payment due with no additional repayment fee. Calculations are not an approval, and all applications are subject to credit and eligibility criteria. This calculator can be used to calculate Quick Cash, FlexiBill and Paylite offers. It is important to note that different minimum conversion amounts apply depending on whether you are a Credit Card or Lending customer and which offer type you have chosen to utilise. The standard variable Annual Percentage Rate (APR) applicable to your account applies if you decide to cancel your instalment plan. instalment plan offers are subject to eligibility and only available if your account is and remains in good standing (For example - your account is not in default, suspended or closed). If you fail to pay the minimum payment due or any other amount by its payment due date, we charge interest on any unpaid instalment, instalment fee or initial interest charge component (and any interest calculated on any of them, and any interest on that interest) from the day after the payment due date. It will be calculated using the daily retail rate and the daily calculation method until they are repaid in full. We may also cancel your instalment plan. We will tell you if an instalment amount is overdue before we cancel the instalment plan. If your instalment plan is cancelled, the outstanding balance of your Statement Instalment Plan will revert to the Retail Purchase Rate and the outstanding balance of your Cash Instalment Plan will revert to the Cash Advance Rate. Your instalment plan uses part of your existing credit limit. As you pay off your instalment plan, the amount you pay off will become available for you to use again as part of your credit limit at the standard annual percentage rates applicable to your account. While you have an instalment plan, payments will be first applied to any initial interest charge or instalment due, even if you have other balances accruing interest at a higher rate. For the full terms and conditions of your instalment plan, please refer to the full Terms and Conditions related to these products here.

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