ANZ Smart Choice Super.
Super. Easy.
Set up in just five minutes,
in app or online.
Apply for a new ANZ Personal Loan of $10,000 or more and you could get $500 cashback.disclaimer Hurry, offer must end.
Limited to one cashback offer per loan per customer within an 18 month period. Eligibility, T&Cs, fees and charges
I need stability
Comparison rate rangedisclaimer
The interest rate range shows the minimum and maximum interest rate that may be applicable. Your personalised interest ratedisclaimer will depend on our assessment of your credit score and will be confirmed in your Letter of Offer (if approved). See important information below for full T&Cs.
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
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
Interest rate range from to disclaimer
(Comparison rate range to )disclaimer
I prefer flexibility
Comparison rate rangedisclaimer
The interest rate range shows the minimum and maximum interest rate that may be applicable. Your personalised interest ratedisclaimer will depend on our assessment of your credit score and will be confirmed in your Letter of Offer (if approved). See important information below for full T&Cs.
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
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
Interest rate range from to disclaimer
(Comparison rate range to )disclaimer
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.
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 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.
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.
Ready to start your personal loan application? Read our tips first.
Got your heart set on a new, demo or used car? Read our car buying tips before you take the plunge.
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 .
ReturnCashback 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.
ReturnInterest 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.
ReturnWe 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.
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 6pm (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) and ANZ Consumer Lending Terms and Conditions booklet (PDF).
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).
Return