Apply for a personal loan

Apply for an ANZ Variable Rate Personal Loan

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Already applied for an ANZ Variable Rate Personal Loan?

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Eligibility criteria for ANZ Variable Rate Personal Loan

If you’d like to apply for an ANZ Variable Rate Personal Loan, you need to:

• Be at least 18 years old
• Earn a minimum of $15,000 per annum
  
• Be an Australian citizen, permanent resident or have a valid visa
  

What is a valid visa? 

All applications are subject to ANZ’s credit assessment criteria.

Details to have handy

• Income, employment and financial commitment details
• Driver's licence (if you have one)
• Your ANZ account number or Customer Registration Number (if you have one)

If you’re self-employed, you’ll also need to supply:

• Financial statement for the past year (no older than 18 months)
• Your most recent personal/business tax return (no older than 18 months)

What happens if my application is approved?

If your application for an ANZ Variable Rate Personal Loan is approved, you’ll be sent a Letter of Offer. Once you’ve accepted our offer, the money will be available to you, usually on the same day.

Apply for an ANZ Fixed Rate Personal Loan

Apply nowView interest rates and fees

Track my application 

Already applied for an ANZ Fixed Rate Personal Loan?

Submit application documents

Eligibility criteria for ANZ Fixed Rate Personal Loan

If you’d like to apply for an ANZ Fixed Rate Personal Loan, you need to:

• Be at least 18 years old  
• Earn a minimum of $15,000 per annum   
  
• Be an Australian citizen, permanent resident or have a valid visa  
  

What is a valid visa? 

All applications are subject to ANZ’s credit assessment criteria.

Details to have handy

• Income, employment and financial commitment details
• Driver's licence (if you have one)
• Your ANZ account number or Customer Registration Number (if you have one)

If you’re self-employed, you’ll also need to supply:

• Financial statement for the past year (no older than 18 months)
• Your most recent personal/business tax return (no older than 18 months)

What happens if my application is approved?

If your application for an ANZ Fixed Rate Personal Loan is approved, you’ll be sent a Letter of Offer. Once you’ve accepted our offer, the money will be available to you, usually on the same day.

Interested in an overdraft?

You can apply for ANZ Assured here:

Apply nowView interest rates and fees

Or find out more about applying for an ANZ Personal Overdraft.

Eligibility criteria for ANZ Assured or ANZ Personal Overdraft

If you’d like to apply for ANZ Assured or ANZ Personal Overdraft, you need to:

• Be at least 18 years old  
  
• Earn a minimum of $15,000 per annum   
  
• Be an Australian citizen, permanent resident or have a valid visa  
  

What is a valid visa? 

All applications are subject to ANZ’s credit assessment criteria.

Details to have handy

• Income, employment and financial commitment details
• Driver's licence (if you have one)
• Your ANZ account number or Customer Registration Number (if you have one)

If you’re self-employed, you’ll also need to supply:

• Financial statement for the past year (no older than 18 months)
• Your most recent personal/business tax return (no older than 18 months)