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Calculate how much you could borrow with a personal loan

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How much do you earn?

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What are your expenses?

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The borrowing power shown using this calculator is an estimate based on the income and expenses entered and the credit score you have provided. The interest rate used for the purposes of these calculations is an estimate only and is based on the credit score you have provided. These calculations are also based on an ANZ Variable Rate Loan with a loan term of seven years with monthly repayments. The borrowing power and interest rate estimates are provided for illustrative purposes only. Actual borrowing capacity and your actual interest rate may vary when you complete an application. Your loan amount and actual interest rate will be confirmed in your letter of offer once the application has been assessed and approved. This calculation does not constitute a quote, loan approval, agreement or advice by ANZ. It does not take into account all of 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.

How to apply for a personal loan

ANZ Variable Rate Loan

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ANZ Fixed Rate Loan

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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.

Interest rates as at  and are subject to change.

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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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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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