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Because you’ve had your eye on it for ages

That cruise around the bay. The drive around the country. If you’ve been thinking about a new boat, caravan or motorcycle, we may be able to help.

 

Explore your options

The freedom to pay off your loan earlier with no exit fees

  • 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

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

 

Comparison rate disclaimer

 

You’re protected from interest rate movementsdisclaimer

  • 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

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

 

Comparison rate disclaimer

 

Calculators

Your details

How much do you earn?

$/ year
$/ year
$/ year
$/ year

How much do you spend?

$/ monthRequired
$/ month
$/ month
$

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.

Loan amount

$
p.a.
p.a.

 

The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, 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. For more important information about the interest rates and repayment amounts shown in this calculator, see the ‘Important Information’ section at the bottom of this page.

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.

How to apply

Complete the application in about 10 minutes

Please make sure you have the details handy – we’ve listed them above.

We'll respond to your application

We’ll email you to confirm your application has been received and explain the next steps.

If approved, you'll receive the funds

If you accept our offer, we’ll put the money in your account.

Other ways to apply

Speak to a Loan Specialist

Call 1800 339 410

between Mon to Fri, 8am to 8pm (AEST)

Visit a branch

Locate an ANZ Branch

Apply now

Get a response in 60 seconds.

For more information on commercial finance, check out ANZ Business Loan.

ANZ Variable Rate Loan 

Apply now

ANZ Fixed Rate Loan

Apply now

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 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 2 December 2020. If a customer: applies or is approved for an ANZ Variable Rate Personal Loan after 2 December 2020, 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 2 December 2020 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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Early repayment costs apply if you repay your loan early during a fixed interest rate period.

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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 2 December 2020. If a customer: applies, is approved or draws down on an ANZ Fixed Rate Personal Loan after 2 December 2020, 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 2 December 2020 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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Total loan repayments and repayment amount

For an ANZ Secured Car Loan, the total loan repayments shown is an estimate based on the total loan repayments, total interest and the Loan Administration Charge of $5 per month, but does not include the Establishment Fee of $350 and other fees which may be incurred such as late payment fees. The repayment amount is an estimate based on the loan amount, interest and the Loan Administration Charge of $5 per month, but does not include the Establishment fee $350. If the Establishment Fee is financed as part of the ANZ Secured Car Loan, the regular repayment amount will be higher than the amount stated on the calculator.

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Comparison rate

For ANZ Variable and Fixed Rate Personal Loan

For the purposes of this calculator, the following default interest rates are used and are subject to change:

Fixed interest rate:    (comparison rate: )

Variable interest rate:    (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: The 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 a different comparison rate.  

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Interest rate

For ANZ Variable or Fixed Rate Personal Loan

For the purposes of this calculator, the following default interest rates are used and are subject to change:

Fixed interest rate:    (comparison rate: )

Variable interest rate:    (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: The 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 a different comparison rate.

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