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Compare Personal Loans

Personal Loans

Loan info

Flexibility to make extra repayments

 

You’re protected from interest rate movementsdisclaimer

 

Summary

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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?

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. 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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