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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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How to apply

Before you apply

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.

Things to consider when applying for a personal loan

Choose the loan that's right for you

Personal Loan Quick Start

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

Apply now

It only takes around 5 minutes

Apply Online

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

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Reduced interest rate(eligibility criteria,
and terms and conditions apply)

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Comparison rate

Learn moreApply now

ANZ Variable Rate Loan

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Reduced interest rate (eligibility criteria,
and terms and conditions apply)

disclaimer

Comparison rate

Learn moreApply now

 

Over the phone or in branch

Want to speak to a personal loan specialist first?

Speak to a Loan Specialist

Available Mon – Fri 8:00am to 8:00pm (AEST)

Call 1800 339 410

Visit a branch

Locate an ANZ branch near you

Book an appointment  Find an ANZ branch

Get in touch

If you need some help with your application, don’t meet our eligibility criteria or have another general loan enquiry, give us a call.

General personal loan enquiries

Available Mon – Fri 8:00am to 8:00pm (AEST)

Call 1800 801 485

Important information

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.

 

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Rates as at  and are subject to change without notice.

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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.

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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 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.

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