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Ready to apply for an ANZ Personal Loan?
A loan for life's surprises
Life happens. An ANZ Personal Loan could help you get on top – whether you need a new car, boat, truck or ute, or a little extra cash to make your dream holiday or event come true.
Buy a motor vehicle
Better safety features, more space, improved efficiency… However a new car might make your life easier, an ANZ Personal Loan could help make it yours, sooner.
Consolidate your debt
Consolidating your debts into one, easy-to-manage ANZ Personal Loan could help you avoid the stress and hassle of juggling multiple rates, fees and due dates.
Make home repairs
Renovating to boost the market value of your home, or need to make emergency home repairs? An ANZ Personal Loan could help you make it happen.
Take that trip
Dreaming of sailing the Whitsundays, or roadtripping the East Coast? An ANZ Personal Loan could be used for flights and accommodation, plus unexpected travel costs.
Celebrate your event
Making your big day unforgettable can be expensive. If the dress, the venue, the cars, the cake are all adding up… an ANZ Personal Loan can help you have the day you want.
ANZ Fixed Rate Loan
I need stability
Interest rate rangedisclaimer:
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Comparison rate rangedisclaimer:
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The interest rate range shows the minimum and maximum interest rate that may be applicable. Your actual interest rate, if approved, will depend on the information in your credit report, including your credit score (or credit rating). We will confirm your interest rate in your letter of offer (if approved).
Features
Certainty your repayments won’t change even if rates increase as you’ve locked in a fixed interest rate
Same-day cash in your ANZ everyday account if approved in branch by midday Monday to Fridaydisclaimer
Trade-offs
- 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)
ANZ Variable Rate Loan
I prefer flexibility
Interest rate rangedisclaimer:
to
Comparison rate rangedisclaimer:
to
The interest rate range shows the minimum and maximum interest rate that may be applicable. Your actual interest rate, if approved, will depend on the information in your credit report, including your credit score (or credit rating). We will confirm your interest rate in your letter of offer (if approved).
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
Same-day cash in your ANZ everyday account if approved in branch by midday Monday to Fridaydisclaimer
Trade-offs
- Your repayments may change as your interest rate may increase or decrease during the term
How to apply
Check you're eligible
To be eligible for a personal loan, you must:
be 18 years of age or older
earn a minimum of $15,000 per year
be an Australian citizen, permanent resident or have a valid visa
be a sole or joint applicant. Joint applicants can apply at any ANZ Branch.
Get your documents ready
Here’s what you’ll need to apply:
details of your income, expenses, assets and liabilities
your driver's licence, ANZ Account Number or Customer Registration Number (if you have them).
If you're new to ANZ, you'll need any two of your Australian driver's licence, Medicare card, Australian passport, or Australian visa.
Apply your way
Apply in the way that suits you best. If you're short on time or need a little help we have a number of flexible application options for you to choose from.
Tips & guides
How to manage debt
Debt doesn’t have to be a dirty word. In fact, it can be good, bad or just downright useful. Explore types of debt and ways to get on top of them.
4 tips for your personal loan application
Ready to start your personal loan application? Read our tips first.
Tips for buying a car
Got your heart set on a new, demo or used car? Read our car buying tips before you take the plunge.
Your questions answered
General
Interest explained
Any information provided is general in nature and does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you. ANZ recommends you read the applicable Terms and Conditions booklets and the ANZ Financial Services Guide before deciding whether to acquire, or continue to hold, a particular product.
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.
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.
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.
ReturnThe interest rate shown using this calculator is an estimate of what your personalised interest rate could be based on the credit score and loan details you have provided. It is for illustrative purposes only and is based on the accuracy of the information entered, and your actual interest rate may vary when you complete an application and are approved. The estimate does not constitute a quote, loan approval, agreement or advice by ANZ and should not be taken as a guarantee that you will receive this interest rate. Your interest rate will be confirmed in your letter of offer (if approved).
ReturnFor the purposes of this calculator, the interest rate estimate is based on the current interest rate range applicable to ANZ Fixed and Variable Rate Personal Loans of to (comparison rate to ). Rates as at and are subject to change and may impact the estimate provided.
ReturnThe repayment amount shown using this calculator is an estimate based on the loan amount and loan term selected, and the credit score you have provided. The estimate is provided for illustrative purposes only and actual repayment amounts may vary when you complete an application and are approved. 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. 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 .
ReturnInterest rates as at and are subject to change.
ReturnApplications 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.
ReturnFixed 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 47kB) and ANZ Consumer Lending Terms and Conditions booklet (PDF 475kB).
ReturnTerms 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 308kB).
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