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Get a Personal Loan for what you need, plus $500 cashback for what you want.disclaimer

Whether you're upsizing your car, planning those renovations, or dreaming of a holiday, for a limited time, you could get $500 cashbackdisclaimer with a new ANZ Personal Loan of $10,000 or more. 

Limit of one $500 cashback payment per loan and per customer in 12 months, credited within 120 days of loan drawdown. See Important information below for full T&Cs.disclaimer

Ready to apply for an ANZ Personal Loan?

Get started

A personal loan may be suitable if you…

Want to borrow a specific amount upfront between $5,000 and $50,000 (subject to approval)

Want a loan term of 1 to 7 years that is paid off over time with regular repayments

Want the choice of a fixed or variable interest rate

Need to borrow extra money and don't want to provide an asset as security

Choose a personal loan that works for you

ANZ Fixed Rate Loan

I need stability

fees

disclaimer,disclaimer

Reduced interest rate (eligibility criteria, and terms and conditions apply)

disclaimer

Comparison rate

Offer

$500 cashback with a new ANZ Personal Loan of $10,000 or more, for a limited time only. Limit of one $500 cashback payment per loan and per customer in 12 months, credited within 120 days of loan drawdown T&Cs apply.disclaimer

 

Features

Certainty your repayments won’t change even if rates increase as you’ve locked in a fixed interest rate

Same-day cash in your ANZ everyday account if approved in branch by midday Monday to Fridaydisclaimer

 

Trade-offs

  • Early repayment charges may apply if you make early or extra repayments, repay your loan early or increase your loan amountdisclaimer
  • No access to extra money paid (redraw)

 

Fees & charges

rates and fees

Loan Approval Fee

$150

Loan Administration Charge

$10 per month, debited every three months until the loan is closed in the ANZ systems.

Early repayment charges

$300 Early Repayment Administration Fee applies when you pay off a loan early. You may also incur an Early Repayment Cost, which may be significant, if you make early or additional payments. See Early Repayment Costs (PDF 47kB) and Consumer Lending Terms and Conditions booklet (PDF 475kB).

Late Payment Charges

$20 will be charged if your repayment is five days late or more. A further $20 will be charged monthly until repayments are up to date.

Potential loan amount (subject to credit assessment criteria)

$5,000 to $50,000

Potential loan term

1 to 7 years

ANZ Fixed Rate Loan benefits

ANZ Variable Rate Loan

I prefer flexibility

fees

disclaimer,disclaimer

Reduced interest rate (eligibility criteria, and terms and conditions apply)

disclaimer

Comparison rate

Offer

$500 cashback with a new ANZ Personal Loan of $10,000 or more, for a limited time only. Limit of one $500 cashback payment per loan and per customer in 12 months, credited within 120 days of loan drawdown T&Cs apply.disclaimer

 

Features

Ability to make early or extra repayments, or repay your loan early, without additional costs

Flexibility to increase your loan amount (subject to credit assessment)

Access to extra money paid (redraw)

Same-day cash in your ANZ everyday account if approved in branch by midday Monday to Fridaydisclaimer

 

Trade-offs

  • Your repayments may change as your interest rate may increase or decrease during the term

 

Fees & charges

rates and fees

Loan Approval Fee

$150

Loan Administration Charge

$10 per month, debited every three months until the loan is closed in the ANZ systems.

Early repayment charges

Not applicable.

Late Payment Charges

$20 will be charged if your repayment is five days late or more. A further $20 will be charged monthly until repayments are up to date.

Potential loan amount (subject to credit assessment criteria)

$5,000 to $50,000

Potential loan term

1 to 7 years

ANZ Variable Rate Loan benefits 

A loan for life’s surprises

Life happens. An ANZ Personal Loan could help you get on top – whether you need a new car, boat, truck or ute, or a little extra cash to make your dream holiday or event come true.  


Buy a motor vehicle

Better safety features, more space, improved efficiency… However a new car might make your life easier, an ANZ Personal Loan could help make it yours, sooner.
 

I need a new car

I want a boat, caravan, motorbike or truck
 

   

Consolidate your debt

Consolidating your debts into one, easy-to-manage ANZ Personal Loan could help you avoid the stress and hassle of juggling multiple rates, fees and due dates.

I need to consolidate my debt
 

   

Make home repairs

Renovating to boost the market value of your home, or need to make emergency home repairs? An ANZ Personal Loan could help you make it happen.

I'm renovating my home
 

   

Take that trip

Dreaming of sailing the Whitsundays, or roadtripping the East Coast? An ANZ Personal Loan could be used for flights and accommodation, plus unexpected travel costs.

I'm planning a trip

   

Celebrate your event

Making your big day unforgettable can be expensive. If the dress, the venue, the cars, the cake are all adding up… an ANZ Personal Loan can help you have the day you want.

I have an upcoming event

   

How much could I borrow?

Get an estimate of your maximum personal loan amount

Your details

How much do you earn?

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How much do you spend?

$/ monthRequired
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The borrowing power shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual borrowing capacity may vary. To find out actual borrowing capacity, contact us. 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.  All applications are subject to ANZ’s credit assessment criteria. Terms, conditions, fees and charges apply. ANZ will not store the information provided in this calculator.

The borrowing calculator is based on ANZ Variable Rate Personal Loan, over a seven year term, with monthly repayments and our current standard variable rate:  (comparison rate: ). The interest rate applicable to ANZ Fixed Rate Personal Loan is currently  (comparison rate: ).

This comparison rate is based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only. 

WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

More personal loan calculators and tools

How to apply

Check you're eligible

To be eligible for a personal loan, you must:

be 18 years of age or older  

earn a minimum of $15,000 per year  

be an Australian citizen, permanent resident or have a valid visa

be a sole or joint applicant. Joint applicants can apply at any ANZ Branch

Get your documents ready

Here’s what you’ll need to apply:

details of your income, expenses, assets and liabilities

your driver's licence, ANZ Account Number or Customer Registration Number (if you have them).

 

If you're new to ANZ, you'll need any two of your Australian driver's licence, Medicare card, Australian passport, or Australian visa.

Look out for our reply

Once you've submitted your application:

  • we’ll review the information provided in your application and may ask you for supporting documentation
  • if your loan is approved, we’ll send you a letter of offer for you to review
  • if you accept and sign the letter of offer, we’ll put the money in your nominated account.

Need a little more info?

Things to consider when applying for a personal loan

 

Already applied for an ANZ Personal Loan?

To track your application or supply documents, you'll need your application reference number from your loan application confirmation email from us.

Track my application

Supply application documents

 

Already have an existing loan?

 

Make repayments

Read all about making repayments, paying your loan off in full, or what to do if you’re struggling to make repayments.

 

Manage your loan online

Manage your loan online with ANZ Internet Banking or the ANZ App.

 

Redraw or increase your loan

Have an ANZ Variable Rate Personal Loan? Find out about redrawing extra money you’ve repaid, or increasing your loan amount or term

 

Check your statement

Get your statement online with ANZ Internet Banking or the ANZ App or have them delivered to your letterbox.  

Get in touch

Not sure which loan to choose, or have a question about your application or eligibility criteria? Give us a call, we’re here to help.

General personal loan enquiries

Available Monday to Friday, 8am to 8pm (AEST)

Call 1800 801 485

Visit a branch

Locate an ANZ branch near you

Book an appointment Locate an ANZ Branch

Your questions answered

General

ANZ offers two types of unsecured personal loans between $5,000 and $50,000. Both the ANZ Fixed Rate Loan and ANZ Variable Rate Loan can be used for a specific purpose, such as consolidating debt or a big purchase like buying a new or used car.

Before you apply for an ANZ Personal Loan, it’s important to figure out how much you could borrow, and what you can afford to repay.

If approved

When you are approved for an ANZ Personal Loan, you will be approved to borrow a specific amount of money. This will be transferred to your nominated bank account in a lump sum at the start of your loan term. You will need to repay the amount borrowed, along with interest accrued and any fees or charges incurred, in regular instalments over a set term.

You can choose a term between 1 to 7 years, depending on how long you think you will need to pay off the loan. You can have one set of regular repayments to line up with your pay cycle, such as weekly, fortnightly or monthly.

Learn more

   

ANZ Fixed Rate Personal Loans and ANZ Variable Rate Personal Loans are unsecured. This means you do not have to use an asset like your car or home as security to get a loan.

  

If you have an ANZ Variable Rate Personal Loan, you can pay off your loan early by making early or extra repayments without additional costs. This could help you to save on the interest you pay over the life of the loan. 

With an ANZ Fixed Rate Personal Loan, 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 47kB) and  ANZ Consumer Lending Terms and Conditions booklet (PDF 475kB).

  

What’s the difference between an ANZ Fixed Rate and Variable Rate Personal Loan?

ANZ Fixed Rate Personal Loan

An ANZ Fixed Rate Personal Loan gives you the certainty of fixed repayments for the term of your loan. This means if interest rates increase your repayments stay the same.

However, if you're looking to pay off your loan early, make extra repayments or increase your loan amount, early repayment fees and charges may apply. See Early Repayment Charges (PDF 47kB) and ANZ Consumer Lending Terms and Conditions booklet (PDF 475kB) for further information. You also do not have access to any early repayments made to the loan.

ANZ Variable Rate Personal Loan

With an ANZ Variable Rate Personal Loan, your interest rate may increase or decrease during the loan term, and so may your repayments. You can make early or extra repayments to pay off the loan faster (and save on interest charges), and redraw any extra money you’ve paid on your loan, without additional costs.

  

ANZ Fixed Rate Personal Loan

rates and fees

Loan Approval Fee

$150

Loan Administration Charge

$10 per month, debited every three months until the loan is closed in ANZ systems.

Early repayment charges

$300 Early Repayment Administration Fee applies if you repay your loan early. Early Repayment Costs may also apply if you make early or additional repayments, see Early Repayment Charges (PDF 47kB) and ANZ Consumer Lending Terms and Conditions booklet (PDF 475kB) for further information.

Late Repayment Fee

$20 will be charged if your repayment is five days late or more. A further $20 will be charged monthly until repayments are up to date

 

ANZ Variable Rate Personal Loan

rates and fees

Loan Approval Fee

$150

Loan Administration Charge

$10 per month, debited every three months until the loan is closed in ANZ systems.

Early repayment charges

Not applicable.

Late Repayment Fee

$20 will be charged if your repayment is five days late or more. A further $20 will be charged monthly until repayments are up to date

Interest explained

Interest is calculated on the unpaid daily balance of your loan and is charged to the loan on a fortnightly or monthly basis (depending on which product you have). The interest rate applied each day is equal to your annual interest rate, divided by 365.

It's important to note that the interest charged to your loan may be different each month for ANZ Fixed Rate and Variable Rate Personal Loans, as it depends on a variety of factors, such as the number of days in that month, the applicable annual interest rate and the unpaid balance of your loan. For the full details about how interest is calculated refer to our Consumer Lending terms and conditions brochure (PDF 475kB).

  

A comparison rate helps you work out the true cost of a loan. This rate takes other fees and charges into account, like a loan approval fee and loan administration charge in addition to the interest rate. It’s meant to be a fairer way of comparing how much a loan will cost you.

For more information, visit Moneysmart.

  

Applying for a personal loan

Yes, you can apply but your application for an ANZ Personal Loan will be subject to ANZ’s credit assessment criteria.

Your liabilities and other financial commitments, such as an existing personal loan with another lender, will be taken into account when we assess your application for an ANZ Personal Loan.

  

You'll need to provide information on:

  • your income amount and frequency
  • your assets
  • what existing financial commitments you have with ANZ and other financial institutions, such as personal loans, home loans or credit cards
  • your expenses, such as how much you spend on gas, electricity, insurances, food, transport and lifestyle expenses

We ask for this information so that we can verify your financial circumstances and assess your ability to repay an ANZ Personal Loan without substantial hardship. You can explore which ANZ Personal Loan may suit your needs by using our tools and calculators. 

  

If I’m not a permanent Australian resident, can I still get an ANZ Personal Loan?

If you’re not a permanent Australian resident, you may still be eligible to apply for an ANZ personal loan. You will be required to meet specific visa and income verification requirements. Valid visas include a range of working visas and business visas.  

Working visas

Includes all temporary visa subclasses that allow an individual to work in Australia. This typically includes holders of skilled category visas but can also include some family category visas.

Working holiday visas are not acceptable.

Business visas

Includes all temporary/provisional business visa subclasses that allow business people to establish or manage a new or existing business or invest in Australia. This generally includes holders of business owner, senior executive or investor category visas.

For more details please visit an ANZ branch or call 1800 339 410 to discuss your application. You can also find out what a particular visa entitles the holder to by visiting Department of Home Affairs website.

  

You don’t have to pay stamp duty on any of our personal loans.

But if you’re buying a car, you may need to pay stamp duty to the state or territory government to register it and to transfer its registration. The amount of stamp duty varies between states and territories, and also depending on the type of vehicle.

Remember that this money doesn’t go to us, but to the relevant state or territory government.

  

Concerned about financial difficulty?

If you’re struggling to make your loan repayments, read on to see how we may be able to help. You can also find out more at our dedicated financial hardship site.

What do I do if I can’t make a payment?

If you can’t make a personal loan repayment, please call us immediately to discuss the matter and see if we can come to a financial arrangement. We may be able to look at temporary payment options to help you manage your loan.

What happens if I get sick, have an accident or lose my job?

You can call us to discuss an arrangement if something has happened that could affect your financial situation.

For Personal Loans repayments please call 1800 351 548.

For Secured Car Loans repayments please call 13 23 73.

  

Important information

The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any 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 a new ANZ Personal Loan of $10,000 or more between 15 December 2021 and 28 February 2022. 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. A limit of one $500 cashback offer per eligible customer within a 12-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 to the first listed applicant and the account for funds disbursements must include the name of the first listed applicant. Applications for 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 may 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.

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Rates as at  and are subject to change without notice.

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This offer interest rate shown is inclusive of a discount on the ANZ Personal Lending Index Rate (which is subject to change). This offer is only available to customers who apply for an ANZ Fixed Rate Personal Loan, are approved and draw down on their ANZ Fixed Rate Personal Loan on or before 28 February 2022. If a customer applies, is approved or draws down on an ANZ Fixed Rate Personal Loan after 28 February 2022, the standard fixed interest rate, currently 12.45% p.a. (comparison rate 13.32% p.a.) as at  may apply. This interest rate offer may be withdrawn or changed at any time without notice.

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This comparison rate is based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only. 

WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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Applications 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 8pm (AEST) weekdays.

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Fixed 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 47kB) and ANZ Consumer Lending Terms and Conditions booklet (PDF 475kB).

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This offer interest rate shown is inclusive of a discount on the ANZ Personal Lending Index Rate (which is subject to change). This offer is only available to customers who apply for an ANZ Variable Rate Personal Loan and are approved on or before 28 February 2022. If a customer applies or is approved for an ANZ Variable Rate Personal Loan after 28 February 2022, the standard variable interest rate, currently 15.99% p.a. (comparison rate 16.84% p.a.) as at  may apply. This interest rate is subject to change. This interest rate offer may be withdrawn or changed at any time without notice.

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