Loan amount
The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, 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. For more important information about the interest rates and repayment amounts shown in this calculator, see the ‘Important Information’ section at the bottom of this page.
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.
More personal loan calculators and tools
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.
Choose a personal loan that works for you
ANZ Fixed Rate Loan
I need stability
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disclaimer,disclaimerReduced interest rate (eligibility criteria, and terms and conditions apply) |
disclaimerComparison rate |
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
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disclaimer,disclaimerReduced interest rate (eligibility criteria, and terms and conditions apply) |
disclaimerComparison rate |
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)
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.
Total loan repayments and repayment amount
For an ANZ Secured Car Loan, the total loan repayments shown is an estimate based on the total loan repayments, total interest and the Loan Administration Charge of $5 per month, but does not include the Establishment Fee of $350 and other fees which may be incurred such as late payment fees. The repayment amount is an estimate based on the loan amount, interest and the Loan Administration Charge of $5 per month, but does not include the Establishment fee $350. If the Establishment Fee is financed as part of the ANZ Secured Car Loan, the regular repayment amount will be higher than the amount stated on the calculator.
ReturnComparison rate
For ANZ Variable and Fixed Rate Personal Loan
For the purposes of this calculator, the following default interest rates are used and are subject to change:
Fixed interest rate: (comparison rate: )
Variable interest rate: (comparison rate: )
This comparison rate is based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only.
WARNING: The 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 a different comparison rate.
ReturnInterest rate
For ANZ Variable or Fixed Rate Personal Loan
For the purposes of this calculator, the following default interest rates are used and are subject to change:
Fixed interest rate: (comparison rate: )
Variable interest rate: (comparison rate: )
This comparison rate is based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only.
WARNING: The 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 a different comparison rate.
ReturnRates as at and are subject to change without notice.
ReturnThis offer interest rate shown is inclusive of a discount on the ANZ Personal Lending Index Rate (which is subject to change). This offer is only available to customers who apply for an ANZ Fixed Rate Personal Loan, are approved and draw down on their ANZ Fixed Rate Personal Loan on or before 15 December 2021. If a customer applies, is approved or draws down on an ANZ Fixed Rate Personal Loan after 15 December 2021, the standard fixed interest rate, currently 12.45% p.a. (comparison rate 13.32% p.a.) as at may apply. This interest rate offer may be withdrawn or changed at any time without notice and is not available in conjunction with any other offers, packages or promotions.
ReturnThis comparison rate is based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only.
WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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 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).
ReturnThis offer interest rate shown is inclusive of a discount on the ANZ Personal Lending Index Rate (which is subject to change). This offer is only available to customers who apply for an ANZ Variable Rate Personal Loan and are approved on or before 15 December 2021. If a customer applies or is approved for an ANZ Variable Rate Personal Loan after 15 December 2021, the standard variable interest rate, currently 15.99% p.a. (comparison rate 16.84% p.a.) as at may apply. This interest rate is subject to change. This interest rate offer may be withdrawn or changed at any time without notice and is not available in conjunction with any other offers, packages or promotions.
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