ANZ Variable Rate Personal Loan - Personal loans

ANZ Variable Rate Personal Loan

Whether it's for a car, renovations on your home, furniture or to consolidate your debts into one easy repayment, an ANZ Variable Rate Personal loan could be what you need.

Frequently asked questions

Key features

What do I need to apply?

Loan term

From 1 to 7 years

Minimum loan amount

$5,000

Maximum loan amount

No maximum loan amount set

Repayment frequency

You can choose to pay weekly, fortnightly or monthly - whatever suits your budget.

Additional repayments

You have the freedom to increase your repayments at any time. This means you can pay off your loan faster and save on interest costs¹.

Redraw facility

Yes. Redraw allows you to access additional loan payments you have made. No redraw fee applies. The minimum redraw is $500.

ANZ Loan Protection² (optional)

ANZ Loan Protection can offer you peace of mind should the unexpected happen. If you choose to protect your loan with ANZ Loan Protection, you may qualify for a 0.25% p.a. interest rate discount.

Find out more about ANZ Loan Protection

Interest rate from

14.90% p.a.

Comparison rate³ from

18.01% p.a.

Loan Approval Fee

$150
Covers application and loan establishment costs.

Loan Administration Charge

$30 quarterly fee

Eligibility

To be eligible to apply for an ANZ Personal Loan, you need to be:

over the age of 18 years
a permanent Australian resident.

You don't need to be an existing ANZ customer to apply.

What documentation do I need to provide?

To apply for an ANZ Personal Loan, all you have to do is meet the eligibility criteria and provide details about yourself, basic financial details and evidence of your income.

Find out more about personal loan eligibility

It's easy to apply for an ANZ Personal loan

Apply online

Call 13 33 33, Monday to Friday, 8am to 9pm (AEST) or Saturday, 9am to 4pm (AEST)

Visit any ANZ branch

Terms and conditions available on application. Fees and charges apply.

1. A Deferred Establishment Fee will apply if you repay your Variable Rate Loan within 12 months of the date of advance.

2. ANZ Loan Protection is underwritten by ING Life Limited ABN 33 009 657 176 and QBE Insurance (Australia) Ltd ABN 78 003 191 035. Terms and Conditions apply. View insurance disclaimer and important notes.

3. These comparison rates are based on a $10,000 Personal Loan for a three year term. This rate is applicable for unsecured loans only.

WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate, but may influence the cost of the loan.

A Comparison Rate Schedule is available at any ANZ branch or view it online ANZ Comparison Rate Schedule (PDF 76kB).

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