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Compare Personal Loans

Personal Loans

ANZ Variable Rate Loan

ANZ Fixed Rate Loan

Loan info

Flexibility to make extra repayments

 

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You’re protected from interest rate movementsdisclaimer

 

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Summary

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View fees and charges

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View fees and charges

The important numbers
Interest rate

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Comparison rate

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Fees

Loan approval fee: $150 (one-off payment)

Loan Administration Charge: $10 per month, debited every three months until the loan is closed in ANZ systems.

See other fees and charges.

Loan approval fee: $150 (one-off payment)

Loan Administration Charge: $10 per month, debited every three months until the loan is closed in ANZ systems.


Early repayment fee:  $300

See other fees and charges.
Potential loan amount (subject to credit assessment criteria)

$5,000 - $50,000  

$5,000 - $50,000 
Potential loan term

1 year - 7 years

1 year - 7 years 

What you get
This loan may suit you if you would like

  • No exit fees if you pay your loan off early
  • Flexibility to increase your loan amount
  • Fast access to extra money you’ve paid
  • Same day cash in your ANZ everyday account if approved in branch by midday Mon-Fridisclaimer
  • You don't want to use your car as security

  • Certainty that your repayments won’t change 
  • Control over your budget
  • Same day cash in your ANZ everyday account if approved in branch by midday Mon-Fridisclaimer
  • Convenience of managing your loan online
  • You don't want to use your car as security

Can I apply for this loan?
Minimum age

18 years old

18 years old
Minimum annual income

$15,000

$15,000
Other eligibility criteria
  • Be an Australian citizen, permanent resident or have a valid visa

What is a valid visa?
  • Be an Australian citizen, permanent resident or have a valid visa

What is a valid visa?

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Important information

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.

 

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Rates as at  and subject to change.

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This offer rate shown is inclusive of a discounted margin which is deducted from 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 2 December 2020. If a customer: applies or is approved for an ANZ Variable Rate Personal Loan after 2 December 2020, the standard variable interest rate, currently 15.99% p.a. (comparison rate 16.84% p.a.) as at  will apply. This interest rate is subject to change. This offer is available until 2 December 2020 only and may be withdrawn or changed at any time without notice. It is not available in conjunction with any other offers, packages or promotions.

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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: 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.

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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 8pm (AEST) weekdays.

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Early repayment costs apply if you repay your loan early during a fixed interest rate period.

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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 2 December 2020. If a customer: applies, is approved or draws down on an ANZ Fixed Rate Personal Loan after 2 December 2020, the standard fixed interest rate, currently 12.45% p.a. (comparison rate 13.32% p.a.) as at    will apply. This interest rate is subject to change. This offer is available until 2 December 2020 only and may be withdrawn or changed at any time without notice. It is not available in conjunction with any other offers, packages or promotions.

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