ANZ Smart Choice Super.
Super. Easy.
Set up in just five minutes,
in app or online.
New car? Holiday? Fairy-tale wedding? Whatever your need, get that personal touch with an ANZ Personal Loan and your very own personalised rate.
Need new appliances? A new car? Holiday? Apply for a new ANZ Personal Loan of $10,000 or more and you could get $500 cashback.disclaimer Hurry, offer must end.
Limited to one cashback offer per loan per customer within an 18 month period. Eligibility, T&Cs, fees and charges
Choose from a fixed or variable rate loan for a term of 1 to 7 years.
Without having to provide an asset, such as your home, as security.
Use our tools to estimate your personalised interest rate, based on your estimated credit score.
Choose from a fixed or variable rate loan with the amount and length that best suits you.
If approved, we'll send you a letter of offer with your final interest rate based on your credit score.
I need stability
Interest rate range from to disclaimer
Comparison rate range to disclaimer
The better your credit score, the better your personalised rate (if approved).disclaimer
The interest rate range shows the minimum and maximum interest rate that may apply. Your personalised interest rate will be confirmed in your Letter of Offer (if approved).
Apply for a new ANZ Personal Loan of $10,000 or more and you could get $500 cashback.disclaimer
Limited to one cashback offer per loan per customer within an 18 month period. Eligibility, T&Cs, fees and charges apply.disclaimer
I need flexibility
Interest rate range from to disclaimer
Comparison rate range to disclaimer
The better your credit score, the better your personalised rate (if approved).disclaimer
The interest rate range shows the minimum and maximum interest rate that may apply. Your personalised interest rate will be confirmed in your Letter of Offer (if approved).
Apply for a new ANZ Personal Loan of $10,000 or more and you could get $500 cashback.disclaimer
Limited to one cashback offer per loan per customer within an 18 month period. Eligibility, T&Cs, fees and charges apply.disclaimer
Loan approval fee
$150
Loan administration charge
$10 per month, debited every three months until the loan is closed in ANZ systems.
Late payment fee
$20 will be charged if your repayment is 5 days late or more. A further $20 will be charged monthly until repayments are up to date.
Early repayment charges (fixed rate loans only)
You may incur an Early Repayment Cost, which may be significant, if you make early or additional payments. See Early Repayment Costs (PDF) and Consumer Lending Terms and Conditions booklet (PDF).
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Whether you're on the move or at home, you can apply anytime.
Joint applicants will need to speak to one of our specialists in-branch.
Keen to start your application, but have a few questions? Get started online and we'll call you back to help with your application.
For general personal loan enquiries please call 1800 801 485. We're available Monday to Friday, 8am to 8pm (AEST)
Any information provided is general in nature and does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you. ANZ recommends you read the applicable Terms and Conditions booklets and the ANZ Financial Services Guide before deciding whether to acquire, or continue to hold, a particular product.
All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply. Australian credit licence number 234527.
Cashback offer available to customers who apply for (1) a new ANZ Personal Loan of $10,000 or more or (2) an ANZ Personal Loan increase with a total loan amount of $10,000 or more, between August 16 2023 and December 13 2023. This offer may be withdrawn or changed at any time without notice. The loan must be approved, and the funds drawn down within 90 days of approval to be eligible for the cashback offer. There is a limit of one $500 cashback offer per eligible customer within an 18-month period. The cashback payment will be paid within 120 days of drawdown into the transaction account which the loan funds are disbursed into. The transaction account must be in the same name as the loan account. For joint applications, only one cashback payment will be paid in total for the application and will be paid to the first listed applicant. For joint applications, the account for funds disbursements must include the name of the first listed applicant. Applications for a joint ANZ Personal Loan or an increase of a joint ANZ Personal Loan may only be made in branch. If a customer closes their ANZ Personal Loan account or transaction account before the cashback payment is paid, they will become ineligible for this offer. Applications for credit are subject to ANZ’s credit assessment criteria. If you have any questions about the tax treatment of the cashback offer, please discuss with a tax agent or the Australian Tax Office.
ReturnWe tailor your interest rate based on our assessment of your credit score. Where you have demonstrated good credit based behaviour, such as not opening too many credit products or making repayments on time for your other credit products, this will be reflected in your credit score and you may be offered a rate in the lower end of our range. Where your credit history isn’t as long, or as good, or you have made many applications in a short period of time, this may negatively impact your credit score and you may be offered a rate at the higher end of the range.
ReturnApplications must be submitted at an ANZ branch, and approved before noon Monday to Friday (AEST), and customers must have approved funds deposited into an existing ANZ everyday account. For a full list of eligible ANZ everyday accounts, please contact us on 1800 801 485 between 8am to 6pm (AEST) weekdays.
ReturnThese comparison rates are based on a $30,000 Personal Loan for a five year term. The rates are applicable for unsecured loans only.
WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.
There are various credit reporting agencies that can hold different information and you may have a credit report with more than one agency. However, ANZ uses the credit score provided by Equifax to determine the applicable interest rate, and therefore recommends that you access your credit report or credit score from Equifax or getcreditscore.com.au (who retrieve the credit score directly from Equifax) for a more accurate estimate.
ReturnThe interest rate shown using this calculator is an estimate of what your personalised interest rate could be based on the credit score and loan details you have provided. It is for illustrative purposes only and is based on the accuracy of the information entered, and your actual interest rate may vary when you complete an application and are approved. The estimate does not constitute a quote, loan approval, agreement or advice by ANZ and should not be taken as a guarantee that you will receive this interest rate. Your interest rate will be confirmed in your letter of offer (if approved).
ReturnFor the purposes of this calculator, the interest rate estimate is based on the current interest rate range applicable to ANZ Fixed and Variable Rate Personal Loans of to (comparison rate to ). Rates as at and are subject to change and may impact the estimate provided.
ReturnThe repayment amount shown using this calculator is an estimate based on the loan amount and loan term selected, and the credit score you have provided. The estimate is provided for illustrative purposes only and actual repayment amounts may vary when you complete an application and are approved. This calculation does not constitute a quote, loan approval, agreement or advice by ANZ. It does not take into account your personal or financial circumstances. To apply for an ANZ Personal Loan you must complete an application. For an ANZ Fixed or Variable Rate Personal Loan, the repayment amount shown on this calculator includes the Loan Approval Fee of $150, interest and monthly Loan Administration Charge of $10 .
ReturnInterest rates as at and are subject to change.
ReturnFixed rate personal loans aren’t for everyone and early repayment fees and charges, which may be significant, may apply if you make early or additional repayments or repay your loan early. Refer to Early Repayment Charges (PDF) and ANZ Consumer Lending Terms and Conditions booklet (PDF).
ReturnInterest rates as at and are subject to change. These interest rates may be withdrawn or changed at any time without notice and may not be available in conjunction with any other offers, packages, or promotions.
ReturnTerms and Conditions and eligibility criteria apply to ANZ Redraw. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF).
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