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Personal Loans

Loan info

Flexibility to make extra repaymentsdisclaimer

You’re protected from interest rate movementsdisclaimer

A great loan for cars and other vehicles

Special online-only rate

 online fixed rate for an ANZ Secured Car Loandisclaimer ( comparison ratedisclaimer)

Summary

From  interest ratedisclaimer*

 comparison ratedisclaimer

*Important: The interest rate applicable to your variable rate personal loan, if approved, will be between  and 17.69% p.a. depending on a number of factors, including the information you provide us and our assessment of your application. If approved, we will confirm your actual interest rate in your letter of offer.

From  interest ratedisclaimer*

 comparison ratedisclaimer

*Important: The interest rate applicable to your fixed rate personal loan, if approved, will be between  and 16.95% p.a. depending on a number of factors, including the information you provide us and our assessment of your application. If approved, we will confirm your actual interest rate in your letter of offer.

 interest rate (special online-only rate)disclaimer

 comparison ratedisclaimer

The important numbers

Interest rate

From .disclaimer*

*Important: The interest rate applicable to your variable rate personal loan, if approved, will be between  and 17.69% p.a. depending on a number of factors, including the information you provide us and our assessment of your application. If approved, we will confirm your actual interest rate in your letter of offer.

From disclaimer*

*Important: The interest rate applicable to your fixed rate personal loan, if approved, will be between  and 16.95% p.a. depending on a number of factors, including the information you provide us and our assessment of your application. If approved, we will confirm your actual interest rate in your letter of offer.

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Comparison rate

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Fees

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

Loan Administration Charge: $10 per month, charged at the end of each quarter

See other fees and charges.

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

Loan Administration Charge: $10 per month, charged at the end of each quarter

See other fees and charges.

Establishment fee: $350 (one-off payment)

Loan Administration Charge: $a month (pro-rated for fortnightly repayments)

See other fees and charges.

Potential loan amount (subject to credit assessment criteria)

$5,000 - $50,000  

$5,000 - $50,000 

$7,500 (No maximum)

Potential loan term

1 year - 7 years

1 year - 7 years 

1 year - 7 years 

What you get

This loan may suit you if you would like

  • The freedom to pay it off soonerdisclaimer
  • 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

  • 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

  • Repayments that won’t change throughout your loan termdisclaimer
  • To know you're not affected by interest rate movements
  • The ability to make a lump sum final payment (also known as balloon payment) for lower repayments if you’re approved and your loan term is 1 to 5 yearsdisclaimer
 

Can I apply for this loan?

Minimum age

18 years old

18 years old

18 years old

Minimum annual income

$15,000

$15,000

Subject to ANZ's credit assessment criteria 

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?

  • You must be currently employed or a self-funded retiree
  • You must be a permanent Australian resident or valid work visa holder (Valid visas are: 457 visa or other diplomatic visas)
  • You must buy a car, motorcycle, boat, caravan or light commercial vehicle for personal use (the vehicle must be less than seven years old)
  • You must be applying for a loan of $7,500 or more
  • You must not be currently bankrupt

Use this loan to

All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply. 

   

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A Deferred Establishment Fee will apply if you repay your ANZ Variable Rate Loan within 12 months of the date of advance.

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Rates as at  and subject to change.

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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 applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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Applies to applications made in-branch only. Funds need to be paid into an existing ANZ everyday account. For a full list of 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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The special online only rate is only available to approved applicants who apply for an ANZ Secured Car Loan online. You may receive a different rate if you apply for an ANZ Secured Car Loan through other channels such as an ANZ branch or over the phone.  Interest rates are subject to change.

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This comparison rate is for an ANZ Secured Car Loan with an amount financed of $30,000 and a term of 5 years.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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If you repay some or all of your ANZ Secured Car Loan early, additional fees and charges will apply. Please refer to ANZ Secured Car Loans - what happens if you repay some or all of your loan early (PDF 44kB).

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A final lump sum payment is only available to approved applicants, on loans with a term of 1 to 5 years and must be agreed before the commencement of the loan.

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