$100,000 Division 7A Loan Repayment Example (2025-26)
This example shows the estimated minimum yearly repayment on a $100,000 Division 7A loan for 2025-26. It assumes an unsecured 7-year loan using the 8.37% benchmark rate.
Quick answer: a $100,000 unsecured Division 7A loan started in 2025-26 has an estimated minimum yearly repayment of $19,451. The first-year interest component is $8,370.
$100,000 Div 7A loan breakdown
| Loan amount | $100,000 |
|---|---|
| Loan type | Unsecured |
| Loan term | 7 years |
| Benchmark rate | 8.37% |
| Minimum yearly repayment | $19,451 |
| Interest component (year 1) | $8,370 |
| Principal component (year 1) | $11,081 |
| Closing balance after year 1 | $88,919 |
Why this example matters
Division 7A requires the minimum repayment to be made by 30 June each year. If the repayment is missed, the shortfall can be treated as an unfranked deemed dividend rather than a simple loan shortfall.
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