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Personal loans
Borrowing Power Calculator

Use our personal loans borrowing calculator to get an estimate of what you could potentially borrow up to.

limited time offer

A personal loan for what you need. $500 cashback for what you want.disclaimer

Apply for a new ANZ Personal Loan of $10,000 or more and you could get $500 cashback.disclaimer Limited time offer.

Tell me more

Limited to one cashback offer per loan per customer within an 18 month period. ANZ’s eligibility and credit assessment criteria, T&Cs, fees and charges apply.disclaimer

With an ANZ Personal Loan, you could...

Get a personalised interest rate

The better your credit score, the better your personalised rate.disclaimer

Borrow $5,000 to $50,000

Without providing an asset as security, subject to approval.

Make repayments over 1 year to 7 years

You choose the length of your loan.

Access same-day cash

In your ANZ Everyday Account if approved in branch by midday Monday to Friday.disclaimer

Choose a personal loan that works for you

I need stability 

ANZ Fixed Rate Loan

Borrow $5,000 to $50,000 over 1 to 7 years. 

1

Interest rate from

to disclaimer

2

Comparison rate from

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Features

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

Things to consider

  • 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)

Apply for fixed

The interest rate range shows the minimum and maximum rate that may apply. Your interest rate will be confirmed in your Letter of Offer (if approved).

I need stability 

ANZ Variable Rate Loan

Borrow $5,000 to $50,000 over 1 to 7 years.

1

Interest rate from

to disclaimer

2

Comparison rate from

to disclaimer

Features

  • Ability to make early or extra repayments, or repay your loan early, without additional costs
  • Flexibility to increase your loan (subject to credit assessment)
  • Access to extra money paid (redraw)disclaimer

Things to consider

  • Your interest rate and repayments may increase or decrease during the term

Apply for variable

The interest rate range shows the minimum and maximum rate that may apply. Your interest rate will be confirmed in your Letter of Offer (if approved).

Fees explained

Loan approval fee

$150

Loan administration charge

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

Late payment fee

$20 will be charged if your repayment is 5 days late or more. A further $20 will be charged monthly until repayments are up to date.

Early repayment charges (fixed rate loans only)

You may incur an Early Repayment Cost, which may be significant, if you make early or additional payments. See Early Repayment Costs (PDF) and Consumer Lending Terms and Conditions booklet (PDF).

Your questions answered

Cashback offer

To receive the $500 cashback offer, a customer must:

(a) Apply for a new ANZ Personal Loan of $10,000 or more, or apply for an increase to their current ANZ Personal Loan which results in a total loan amount of $10,000 or more.

(b) Apply between May 15th 2024 and October 15th 2024.

(c) Draw down funds.

There is a limit of one $500 cashback offer per eligible customer within an 18-month period. If a customer closes their ANZ Personal Loan account or nominated transaction account before the cashback payment is paid, they will be ineligible for this offer.


A customer can only receive one cashback during any 18-month period. For joint applications, only one cashback payment will be paid in total for the application and will be paid to the first listed applicant.

Customers can apply in branch, over the phone or online (www.anz.com.au/anzpersonalloan). For joint applications, customers must apply in branch.

The cashback amount will be paid into the transaction account in which the loan funds are disbursed within 120 days from the date of draw down.

If we do not have details for an appropriate account, the customer will be contacted via an outbound call.

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.

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: ).

These comparison rates are based on a $30,000 Personal Loan for a five year term. The rates are applicable for unsecured loans only. 

WARNING:
 These 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 different comparison rates.

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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: ).

These comparison rates are based on a $30,000 Personal Loan for a five year term. The rates are applicable for unsecured loans only. 

WARNING:
 These 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 different comparison rates.

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Interest rates as at  and are subject to change.

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There are various credit reporting agencies that can hold different information and you may have a credit report with more than one agency. However, ANZ uses the credit score provided by Equifax to determine the applicable interest rate, and therefore recommends that you access your credit report or credit score from Equifax or getcreditscore.com.au (who retrieve the credit score directly from Equifax) for a more accurate estimate.

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Cashback offer available to customers who apply for (1) a new ANZ Personal Loan of $10,000 or more or (2) an ANZ Personal Loan increase with a total loan amount of $10,000 or more, between May 15 2024 and October 15 2024. This offer may be withdrawn or changed at any time without notice. The loan must be approved, and the funds drawn down to be eligible for the cashback offer. There is a limit of one $500 cashback offer per eligible customer within an 18-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 in total for the application and will be paid to the first listed applicant. For joint applications, the account for funds disbursements must include the name of the first listed applicant. Applications for a joint ANZ Personal Loan or an increase of 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 will become ineligible for this offer. Applications for credit are subject to ANZ’s eligibility and 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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We tailor your interest rate based on our assessment of your credit score. Where you have demonstrated good credit based behaviour, such as not opening too many credit products or making repayments on time for your other credit products, this will be reflected in your credit score and you may be offered a rate in the lower end of our range. Where your credit history isn’t as long, or as good, or you have made many applications in a short period of time, this may negatively impact your credit score and you may be offered a rate at the higher end of the range.

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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 6pm (AEST) weekdays.

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Interest rates as at  and are subject to change. These interest rates may be withdrawn or changed at any time without notice and may not be available in conjunction with any other offers, packages, or promotions.

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These comparison rates are based on a $30,000 Personal Loan for a five year term. The rates are applicable for unsecured loans only. 

WARNING:
 These 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 different comparison rates.

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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) and ANZ Consumer Lending Terms and Conditions booklet (PDF).

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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).

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