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Calculate how much you could borrow with a personal loan

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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.

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 Hurry, offer must end.

Get started

Limited to one cashback offer per loan per customer within an 18 month period. Eligibility, 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

Compare and apply

ANZ Fixed Rate Loan

I need stability
 

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)

 

Early repayment charges

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).

 

limited time offer

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

Limited to one cashback offer per loan per customer within an 18 month period. Eligibility, T&Cs, fees and charges apply.disclaimer

rates and fees

ANZ Fixed Rate Loan

Interest rate range from  to disclaimer

(Comparison rate range  to )disclaimer


Apply now

 

ANZ Variable Rate Loan

I prefer flexibility
 

Features

Ability to make early or extra repayments, or repay your loan early, without additional costs

Flexibility to increase your loan amount (subject to credit assessment)

Access to extra money paid (redraw)disclaimer

 

Things to consider

  • Your repayments may change as your interest rate may increase or decrease during the term

 

Early repayment charges

Not applicable.

 

limited time offer

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

Limited to one cashback offer per loan per customer within an 18 month period. Eligibility, T&Cs, fees and charges apply.disclaimer

rates and fees

ANZ Variable Rate Loan

Interest rate range from  to disclaimer

(Comparison rate range  to )disclaimer


Apply now

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.

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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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 August 16 2023 and December 13 2023. This offer may be withdrawn or changed at any time without notice. The loan must be approved, and the funds drawn down within 90 days of approval 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 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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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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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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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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