Simulation

Simulate how card interest is calculated across a billing cycle using daily rates and average daily balance, and see how payment timing changes the charge.

Simulate and compare US APRs, Australian comparison rates and UK APRs on the same basis, with worked offers styled on Rocket Loans, NOW Finance and Virgin Money.

Simulate the timeline of an online loan application backwards from a payment deadline, with realistic stage durations for US, Australian and UK lenders.

Simulate online loan offers using three numbers, net cash, monthly payment and total cost, with examples from Rocket Loans, NOW Finance and Virgin Money.

Simulate your approval odds with online lenders such as Rocket Loans, NOW Finance and Virgin Money using score bands, debt ratios and soft searches.

Simulate your readiness to apply for a personal loan with a weighted checklist of documents, figures and timing, using examples from CIBC, Kiwibank and HDFC.

Simulate the cost of borrowing per 1,000 at different rates and terms, add fees and compare prime-based, fixed and discounted pricing from three banks.

Work backwards from an affordable monthly instalment to the loan amount you can safely borrow, testing rates and terms used by CIBC, Kiwibank and HDFC.

Simulate whether you would qualify for a personal loan by testing income, debt ratios and credit scores the way banks like CIBC, Kiwibank and HDFC do.