ANZ Personal Overdraft - Personal loans

ANZ Personal Overdraft

An ANZ Personal Overdraft is a line of credit attached to your transaction account to cover short-term financial needs.

Looking for a smaller limit? At $5 per month ANZ Assured is a cost effective way to protect yourself from unexpected cash shortfalls. Find out more about ANZ Assured.

Key features

Limit available

$1,000 minimum

Interest rate

Variable rate 14.72% p.a.

Other interest rates

Fast approval process

Usually approved next business day after receipt of application.

Credit Facility Fee (charged quarterly)

Limit	Fee
$1,000 - $19,999	$50 - $100
$20,000+	1.7% - 2.6% of the limit p.a.

The fee applicable to your limit will be advised on application.

Loan Approval Fee

Limit	Fee
$1,000 - $19,999	$100
$20,000 - $49,999	$200
$50,000+	$300

Attached to account

Additional features

No fixed repayment arrangement, giving you flexibility and greater control over your day-to-day finances.
Interest is only charged on the amount of credit used.
You can apply for a temporary, permanent or seasonal limit depending on your needs.
No minimum monthly repayments.
Debits will be honoured up to your approved limit, across all banking channels – ATMs, EFTPOS, ANZ Phone Banking, ANZ Internet Banking, ANZ branches and cheques. If there are no funds available under this credit facility, ANZ may process the debit using the Informal Overdraft facility for your linked account (refer to the terms and conditions of your linked account for more details about the Informal Overdraft facility).

Apply today

To apply for an ANZ Personal Overdraft, print and complete the ANZ Overdraft Application Form (PDF 152kb) and either:

Return it to any ANZ branch

Post it to:

Consumer Assessments
C/o ANZ Bank
Locked Bag 2600
Collins Street West Post Office
MELBOURNE VIC 8007

Fax it to 1800 172 436

ANZ’s normal credit criteria apply to each application. Applicants need to be at least 18 years of age and demonstrate capacity to afford to repay.

Terms and conditions are available on application. Fees and charges are payable.

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