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
Check you’re eligible
You must:
- Be at least 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 applicant. Joint applicants can apply at any ANZ branch
What you'll need
- 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
How to apply
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.
Need a bit more information first?
If you want to know a bit more before you take those next steps, here’s some information that may be helpful.
Get started online and we’ll call you back
If you’re unsure of the type of loan you need, or want some help on your loan application, simply fill out a few basic details online to get your application started.
- Once we receive your details, we’ll call you back within 1-2 business days
- We’ll help you work out the right personal loan for you and assist you to progress your application
- Financial details and supporting documents can be supplied at a later stage
- A credit check will not be conducted until we have spoken with you
It only takes around 5 minutes
Complete your full application online
If you know what you’re after and you’re comfortable with completing the application yourself, you can submit your entire personal loan application online. You’ll need to set aside a bit more time, and have the below information ready.
- Details of your income, expenses (bills and other financial commitments), assets and liabilities (debts you owe)
- 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
We have 2 personal loans to choose from:
ANZ Fixed Rate Loan
| Reduced interest rate(eligibility criteria, | Comparison rate |
ANZ Variable Rate Loan
| Reduced interest rate (eligibility criteria, | Comparison rate |
If you need some help with your application, don’t meet our eligibility criteria or have another general loan enquiry, give us a call.
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 28 July 2021. If a customer applies, is approved or draws down on an ANZ Fixed Rate Personal Loan after 28 July 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.
This 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 28 July 2021. If a customer applies or is approved for an ANZ Variable Rate Personal Loan after 28 July 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.
Return