Online Loan Calculator Benefits


How To Use A Loan Calculator?


What you see is what you get:


  • Maximum online loan amount
  • Available loan term
  • Transparent fees / no hidden taxes
  • Total amount repayable
  • Due date for paying back the loan


Try our online loan calculator and apply for a first loan first loan for free!


Apply for a loan here




Why you should choose Ferratum online loans?


Ferratum online loans benefits 

100$ - 1000$



  • Apply online in 5 minutes
  • Apply 24/7 from anywhere
  • No fees on your first loan
  • Get the money fast
  • 100% transparency



Use our loan calculator and apply for an online loan if you:



  • are 18 years or older
  • have a New Zealand Drivers License
  • have a valid email address
  • have a New Zealand adress and phone number
  • have a good credit history





Loan Calculation


Whether it´s to open the door to a golden opportunity or to help with everyday life events like car repairs or bills, at Ferratum, we believe in providing people with the tools to help them yes to life more often.

Using our Interest Rate Loan Calculator, you can determine the full repayment amount on our loans. Simply use the slider on the loan calculator to select the amount of money you wish to borrow then use the next slider to select the number of days you wish to have the loan. Our loan calculator will then calculate interest rates, and in the column on the right, you will see the total loan calculation.

Our loan calculator can be used to calculate any type of fixed personal loan. Whether you want to find out the interest calculation for purchasing last-minute tickets, booking a flight to attend a job interview across country, or getting your car back on the road, you can find out in seconds using the loan calculator.

Try our loan calculator


Customising Your Loan


Best yet, you can easily manage your quick loan by finding the combination that makes the repayment of your loan most comfortable for you.

Use the sliders on the loan calculator to change the number of days and the amount of money until you find the loan calculation amount that suits you best.


No Additional Fees


We believe in complete transparency. As a direct lender, there are no third parties and no third-party fees. As with all our loans, what you see is what you get.

When using our loan calculator, rest assured, there are no additional fees or hidden costs. You know exactly what you will pay at all times – no nasty surprises.


What Are Interest Rates?


Interest rates are the fee that a customer or borrower is charged for borrowing money from a lender. Interest rates are expressed as a percentage of the total amount of the loan.


Responsible Lending


Founded in Helsinki, Finland, Nordic values such as trust, honesty, reliability, and sustainability can be found at the heart of our operation.

We believe that a transaction is more than just financial – it’s a mutual exchange built on trust.

As a responsible lender, we strive to adhere to responsible marketing practices and to ensure that all information we provide to our customers is transparent and accurate.

Our process for approving fast loans is based on a sophisticated scoring model we've developed over a number of years. We base our lending decisions on a careful assessment of the borrower’s financial position, their ability to repay loans, and whether the borrower’s requirements and objectives will be met by the loan.

Although our loan approval process takes just minutes, various factors are taken into account to ensure that loans are granted on the basis of sound and ethical reasoning.

Should our customers experience difficulty making repayments, we are always happy to discuss and explore options together.


Apply for a free loan here



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