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ANZ Personal Loans

We’ve reduced our interest rates on Personal Loans*. Fixed or variable interest rate, the choice is yours.

How to apply

*Limited time offer on new applications. 

Choose a personal loan that works for you

 

I want stability

You could consider an ANZ Fixed Rate Loan

  • Certainty that your repayments won’t change 
  • Control over your budget
  • Same day cash in your ANZ everyday account if approved in branch by midday Mon-Fridisclaimer

ANZ Fixed Rate Loan

Learn more

disclaimer,disclaimer

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

disclaimer

Comparison rate

I prefer flexibility

You could consider an ANZ Variable Rate Loan

  • No exit fees if you pay your loan off early
  • Flexibility to increase your loan amount
  • Same day cash in your ANZ everyday account if approved in branch by midday Mon-Fridisclaimer

ANZ Variable Rate Loan

Learn more

disclaimer,disclaimer

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

disclaimer

Comparison rate

Use an ANZ Personal Loan for

Debt consolidation

Avoid the stress and hassle of multiple rates and fees, and roll your debts into an ANZ Personal Loan

Learn more

Not sure which ANZ Personal Loan could suit your needs?

Compare key features of the different types of ANZ Personal Loans

 

Already have a personal loan application?

If you've already applied online for an ANZ Fixed Rate or Variable Rate Personal Loan, you can check the status of your application and also submit your supporting documents. You'll need your application reference number from your loan application confirmation email from us.

 

How to apply

Before you apply

Check you’re eligible

You must:

  • Be at least 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 applicant. Joint applicants can apply at any ANZ branch

What you'll need

  • 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

How to apply

Apply in the way that suits you best. If you’re short on time or need a little help we have a number of flexible application options for you to choose from.

Need a bit more information first?

If you want to know a bit more before you take those next steps, here’s some information that may be helpful.

Things to consider when applying for a personal loan

Choose the loan that's right for you

Personal Loan Quick Start

Get started online and we’ll call you back

If you’re unsure of the type of loan you need, or want some help on your loan application, simply fill out a few basic details online to get your application started.

  • Once we receive your details, we’ll call you back within 1-2 business days
  • We’ll help you work out the right personal loan for you and assist you to progress your application
  • Financial details and supporting documents can be supplied at a later stage
  • A credit check will not be conducted until we have spoken with you

Apply now

It only takes around 5 minutes

Apply online

Complete your full application online

If you know what you’re after and you’re comfortable with completing the application yourself, you can submit your entire personal loan application online.  You’ll need to set aside a bit more time, and have the below information ready.

  • Details of your income, expenses (bills and other financial commitments), assets and liabilities (debts you owe)
  • 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

We have two personal loans to choose from:

ANZ Fixed Rate Loan

disclaimer,disclaimer

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

disclaimer

Comparison rate

Learn moreApply now

ANZ Variable Rate Loan

disclaimer,disclaimer

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

disclaimer

Comparison rate

Learn moreApply now

 

Over the phone or in branch

Want to speak to a personal loan specialist first?

Speak to a Loan Specialist

Available Mon - Fri, 8am to 8pm (AEST)

Call 1800 339 410

Visit a branch

Locate an ANZ branch near you

Book an appointment  Find an ANZ branch

Get in touch

If you need some help with your application, don’t meet our eligibility criteria or have another general loan enquiry, give us a call.

General personal loan enquiries

Available Mon – Fri, 8am to 8pm (AEST)

Call 1800 801 485

Your questions answered

General

An ANZ Personal Loan is a credit facility which lets you borrow an approved amount of money from ANZ.

You can borrow between $5,000 and $50,000 for a term of 1-7 years, at either a fixed or variable interest rate, and you pay back your loan (with interest) in instalments over the agreed term.

ANZ offers unsecured personal loans and there are two types of ANZ Personal Loans: Fixed Rate Personal Loan and Variable Rate Personal Loan.

Learn more about the difference between an ANZ Fixed Rate Personal Loan and ANZ Variable Rate Personal Loan.

You can use an ANZ Personal Loan for a number of purposes, including:

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 1-7 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

At ANZ, both the ANZ Variable Rate Personal Loans and ANZ Fixed Rate Personal Loans are unsecured. With an ANZ Personal Loan, you can borrow funds for a range of purposes, such as consolidating debt, or buying a new or used car, without having to worry about providing any security.

You can use an ANZ Variable Rate or Fixed Rate Personal loan for the things you want, such as:

  

If you have a variable rate personal loan, you can pay it off early by making early or extra repayments. This could save you money on the interest you pay. 

With a fixed rate personal loan, if additional payments are made an Early Repayment Fee of $300 will be applied. You may also incur early repayment costs. Please read ANZ Fixed Rate Personal Loan - what happens if you repay some or all of your loan early (PDF 47kB) to see how this is calculated.

If you have an ANZ Secured Car Loan and decide to make early or extra repayments, early repayment charges will apply. For more information, please read ANZ Secured Car Loans - what happens if you repay some or all of your loan early (PDF 44kB).

   

Fixed or variable rate

ANZ Fixed Rate Personal Loan

Alternatively, an ANZ Fixed Rate Personal Loan gives you the certainty of fixed repayments throughout the life of the loan and your repayments won't change even if rates increase.

However, there may be fees and charges if you’d like to make early or extra repayments or if you fully repay your loan early. Learn more about what happens if you repay some or all of it early (PDF 46 KB).

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. Plus, you can make early or extra repayments to pay off the loan faster (and save on interest charges), or redraw any extra money you’ve paid on your loan if you like.

With an ANZ Variable Rate Personal Loan, your interest rate is subject to change during the loan term, and accordingly, the repayment amounts may also change.

An ANZ Variable Rate Personal Loan offers you the flexibility of making early or extra repayments to pay off your loan sooner (and potentially save on interest costs) with no exit fees.

You will have access to a redraw facility on an ANZ Variable Rate Personal Loan which will allow you to access extra money you’ve repaid at a later date, as often as you like and for any reason you like. Learn more about redraw.

With an ANZ Fixed Rate Personal Loan, you can lock in an interest rate that stays the same over the life of the loan. So even if interest rates change, your repayment amount won’t.

This type of loan may be suitable if you want certainty that your repayments will stay the same throughout the life of the loan which can help to make budgeting easier. However, there may be charges if you’d like to make extra or early repayments or if you fully repay your loan early. Learn more about what happens if you repay some or all of it early (PDF 46 KB).

Interest explained

The interest charged may be different each month for ANZ Fixed Rate and an ANZ Variable Rate Personal Loans. The interest charged 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.

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.

Refer to our Consumer Lending terms and conditions brochure (PDF 308 KB) for the full details.

A rate that 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.

We’ll ask you for information about:

  • 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. 

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.

If you are not a permanent Australian resident, you may still be eligible to apply for an ANZ personal loan but 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.

  

If you’re applying for an ANZ Variable Rate or Fixed Rate Personal Loan and your application is approved, you won’t need to provide any security as these are unsecured loans.

But if you apply for an ANZ Secured Car Loan and your application is approved, we’ll use the car you have purchased as security. As a result, we may be able to offer you a lower interest rate than an unsecured loan.

  

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

  

Having 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.

  

There may be a number of options to help you manage your personal loan if you are worried about making your regular repayments.

We understand that financial circumstances can change, and we will do our best to help if you're having trouble with your personal loan repayments.

There may be a number of options available to help you manage your personal loan during times of financial uncertainty, including:

  • Using other funds you may have available to continue making loan repayments (e.g. in another transaction or savings account)
  • Reducing your repayments to the minimum repayment amount (if you’re currently making higher repayments)
  • If you have a variable rate loan, redrawing funds from your current personal loan based on the extra repayments you have paid in the past (but the amount redrawn will be added to your loan balance and interest will be charged on that higher balance). disclaimer

When considering different options, please keep in mind that some of them may result in you paying more interest over the life of your loan. 

If these options are not available to you or are not suitable given your circumstances, you can learn more about assistance options that may be available to you..

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.

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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Rates as at  and subject to change.

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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 11 May 2021. If a customer: applies, is approved or draws down on an ANZ Fixed Rate Personal Loan after 11 May 2021, the standard fixed interest rate, currently 12.45% p.a. (comparison rate 13.32% p.a.) as at    will apply. This interest rate is subject to change. This offer is available until 11 May 2021 only and may be withdrawn or changed at any time without notice. It is not available in conjunction with any other offers, packages or promotions.

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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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This offer rate shown is inclusive of a discounted margin which is deducted from 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 11 May 2021. If a customer: applies or is approved for an ANZ Variable Rate Personal Loan after 11 May 2021, the standard variable interest rate, currently 15.99% p.a. (comparison rate 16.84% p.a.) as at  will apply. This interest rate is subject to change. This offer is available until 11 May 2021 only and may be withdrawn or changed at any time without notice. It is not available in conjunction with any other offers, packages or promotions.

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Terms 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 308kB).

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