Apply for a personal loan

Applying for an ANZ Variable Rate Personal Loan?

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Already applied for an ANZ Variable Rate Personal Loan?

Submit application documents

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.

Applying for an ANZ Fixed Rate Personal Loan?

Apply nowView interest rates and fees

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.

Applying for an ANZ Secured Car Loan?

Apply nowView interest rates and fees

Eligiblity criteria for an ANZ Secured Car Loan

If you'd like to apply online for an ANZ Secured Car Loan, you need to:

• Buy a car or motorcycle for personal use  
  
• Be 18 years of age or over when you apply  
  
• Be applying for a loan of $7,500 or more  
  
• Be a permanent Australian resident or valid work visa holder (457 or other diplomatic visas)  
  
• Be currently employed or a self-funded retiree  
  
• Not be currently bankrupt  
  

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

Details to have handy

• Current Australian driver’s licence (if you have one)
• Current employer name, contact name and phone number
• Previous employer, if you’ve changed jobs in the last three years
• Income, expenses, assets and liabilities (such as other loans or credit cards)

What happens if my application is approved?

If your application for an ANZ Secured Car Loan is approved, we’ll work with you to help get you in your car quickly, often on the same day that the car is ready.

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)