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Compare Personal Loans

Personal Loans

Loan info

Flexibility to make extra repayments

 

You’re protected from interest rate movementsdisclaimer

 

A great loan for cars and other vehicles

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, 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

  • 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

  • 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 (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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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 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 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 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 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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