Repayment calculator
**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.
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We are committed to providing personal financing options for cosmetic treatments
We can be especially helpful if you have a complex situation and standard lenders aren’t suitable.
The Equipment Finance Calculator calculates the type of repayment required, at the frequency requested, in respect of the loan parameters entered, namely amount, term and interest rate. The Product selected determines the default interest rate for personal loan product. The Equipment Finance Calculator also calculates the time saved to pay off the loan and the amount of interest saved based on an additional input from the customer. This is if repayments are increased by the entered amount of extra contribution per repayment period. This feature is only enabled for the products that support an extra repayment. The calculations are done at the repayment frequency entered, in respect of the original loan parameters entered, namely amount, annual interest rate and term in years.
All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days interest dependent on the number of days in the particular month.
One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.
In practice, repayments are rounded to at least the nearer cent. However the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts. Note that the final repayment after the increase in repayment amount.
The time saved is presented as a number of years and months, fortnights or weeks, based on the repayment frequency selected. It assumes the potential partial last repayment when calculating the savings.
This amount can only be approximated from the amount of time saved and based on the original loan details.
The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change.
**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.
| Period | Payment | Interest | Balance |
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Don’t let small monthly instalments disrupt your business. We provide a lump sum payment before the procedure, helping you improve cashflow and giving you the flexibility to focus on wages, inventory, marketing, and profit. Plus, with direct payments, there’s no waiting around for your funds.
Affordability shouldn’t cost you sales. Our flexible payment plans are designed to match your patients’ budgets, making cosmetic procedures more accessible. With more financing options available, you can close more sales and see a significant boost in your revenue and overall business growth.
Great service is powered by great support. We listen closely to your needs and provide tailored solutions to fit your business. Our team is always available to assist, offering ongoing support to ensure a smooth experience. From funding to customer service, we handle everything so your team can focus on what matters most.
It’s as easy as referring your patients to us, and we take care of the rest. Enjoy same-day approval, competitive interest rates, and direct funding to your business. Our streamlined process minimises the workload for your staff, letting you focus on growing your business while we manage the financing behind the scenes.
Stop losing customers due to affordability concerns. We offer financing options that work for your patients, reducing the risk of missed sales and unpaid balances. With no need to chase payments, you can enjoy peace of mind knowing your business is protected.
With years of experience in the industry, you can trust that your patients are in capable hands. Our expertise ensures a seamless, reliable process that meets both your business needs and your patients’ financial needs. And with our referral program, you’ll also benefit from additional incentives as you grow with us.
Aesthetica Finance helps Australians access flexible personal loans for cosmetic, dental, tattoo, and medical procedures. We connect you with trusted lenders and clinics to ensure you receive quality care with a suitable financial solution.
We connect you with personal loans tailored for medical and cosmetic treatments. Once approved, the funds are typically sent directly to your chosen clinic, and you repay the loan in manageable instalments over a fixed term.
You can finance:
You’re eligible if you:
No—initial enquiries won’t impact your credit. A full application includes a credit check, which may have a minor temporary effect.
Most approvals happen within 24–48 hours after submitting all documents. Funds are typically disbursed within 1–3 business days.
Rates vary based on your credit profile, the lender, and loan terms. We’re transparent—any fees (like establishment or account-keeping) are disclosed before you commit.
Yes! Many lenders allow early repayments without penalty, helping you save on interest. We’ll confirm your options before you sign.
Unlike BNPL or credit cards, personal loans offer:
Yes—you can get pre-approved to better plan your budget. If your procedure is delayed or cancelled, we’ll work with the lender to adjust your loan as needed.
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