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Make it easier to manage your debts

Loans for debt consolidation

If you’re struggling to pay off your debts, an ANZ Personal Loan could give you greater control over your finances and help you save on interest.

Choose a loan


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ANZ Variable Rate Loan

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ANZ Fixed Rate Loan

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Keep things simple

Consolidate your debts into one loan. If approved you could have:

One loan amountdisclaimer

One repayment amount

One end date for when your loan will be paid off

Interest rates & fees

ANZ Variable Rate Personal Loan

rates and fees

Interest ratedisclaimer

Comparison ratedisclaimer

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.

Late Payment Fee

$20

ANZ Fixed Rate Personal Loan

rates and fees

Interest ratedisclaimer

Comparison ratedisclaimer

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.

Late Payment Fee

$20

Early Repayment Charges

$300 Early Repayment Administration Fee. You may also incur an Early Repayment Cost, refer to Early Repayment Charges (PDF 47kB). You'll find further details in the ANZ Consumer Lending Terms and Conditions booklet (PDF 475kB)

What is a Late Payment Fee?

For ANZ Variable and Fixed Rate Personal Loans, this fee is charged for every month when all or part of the loan repayment hasn’t been paid for five days or more. It’s also charged every subsequent 30 days that repayments are overdue.

Choose a loan to fit your needs

The freedom to pay off your loan earlier with no exit fees

  • No exit fees if you pay your loan off early
  • Flexibility to increase your loan amount
  • Same day cash in your ANZ everyday account if approved in branch by midday Mon-Fridisclaimer

You’re protected from interest rate movementsdisclaimer

  • 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

Calculators

Your details

How much do you earn?

$/ year
$/ year
$/ year
$/ year

How much do you spend?

$/ monthRequired
$/ month
$/ month
$

The borrowing power shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual borrowing capacity may vary. To find out actual borrowing capacity, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by ANZ. It does not take into account your personal or financial circumstances.  To apply for an ANZ Personal Loan you must complete an application.  All applications are subject to ANZ’s credit assessment criteria. Terms, conditions, fees and charges apply. ANZ will not store the information provided in this calculator.

The borrowing calculator is based on ANZ Variable Rate Personal Loan, over a seven year term, with monthly repayments and our current standard variable rate:  (comparison rate: ). The interest rate applicable to ANZ Fixed Rate Personal Loan is currently  (comparison rate: ).

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.

Loan amount

$
p.a.
p.a.

 

The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by ANZ. It does not take into account your personal or financial circumstances. To apply for an ANZ Personal Loan you must complete an application. All applications are subject to ANZ’s credit assessment criteria. Terms, conditions, fees and charges apply. ANZ will not store the information provided in this calculator. For more important information about the interest rates and repayment amounts shown in this calculator, see the ‘Important Information’ section at the bottom of this page.

For an ANZ Fixed or Variable rate Personal Loan, the repayment amount shown on this calculator includes the Loan Approval Fee of $150, interest and monthly Loan Administration Charge of $10.

How does debt consolidation with an ANZ Personal Loan work?

Having multiple debts can be a little stressful at times. You might find yourself juggling several repayments coming out of your account at different times.

To help make your debts easier to manage, you could consolidate your existing debts into one easy to manage loan. 

You can do this by applying for an ANZ Personal Loan and, if approved, using the funds from this loan to pay off your other existing debts, and then repaying your ANZ Personal Loan back over a set term. And in most cases, ANZ will be able to disperse the loan funds directly to the other lenders on your behalf to pay off your other debts.

The key benefits of consolidating your debts with an ANZ Personal Loan can include:

  • having only one set of regular repayments to make;
  • potentially paying less in fees and charges and being able to get a lower overall interest rate when compared to your existing debts; and
  • having a clearer timeline to the day you can pay off your debt.

Examples of the types of debts that can be consolidated with an ANZ Personal Loan include credit cards, car finance, other personal loans, outstanding tax debt, store cards, and hire purchase instalment plans.

How to apply

Complete the application in about 10 minutes

Please make sure you have the details handy – we’ve listed them below.

We'll respond to your application

We’ll email you to confirm your application has been received and explain the next steps.

If approved, you'll receive the funds

If you accept our offer, we’ll put the money in your account.

 

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

 

Details to have handy

You'll need:

  • Details of your income, assets, expenses and financial commitments
  • 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.

 

What happens next

  1. Complete the application. We’ll email you confirming we've received your application. We may also ask you to provide the documents verifying your financial details.
  2. If your loan is approved, you’ll receive a letter of offer to review.  
  3. If you accept our offer, we’ll put the money in your account. New to ANZ? We'll also ask you to call us to verify your identity first.

Other ways to apply

Speak to a Loan Specialist

Call 1800 339 410

between Mon to Fri, 8am to 8pm (AEST)

Visit a branch

Locate an ANZ Branch

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.

Actual repayment amounts may vary. To find out actual repayment amounts on your ANZ Personal Loan please contact us on 1800 801 485 between 8am to 8pm (AEST) weekdays.

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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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Total loan repayments and repayment amount

For an ANZ Secured Car Loan, the total loan repayments shown is an estimate based on the total loan repayments, total interest and the Loan Administration Charge of $5 per month, but does not include the Establishment Fee of $350 and other fees which may be incurred such as late payment fees. The repayment amount is an estimate based on the loan amount, interest and the Loan Administration Charge of $5 per month, but does not include the Establishment fee $350. If the Establishment Fee is financed as part of the ANZ Secured Car Loan, the regular repayment amount will be higher than the amount stated on the calculator.

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Comparison rate

For ANZ Variable and Fixed Rate Personal Loan

For the purposes of this calculator, the following default interest rates are used and are subject to change:

Fixed interest rate:    (comparison rate: )

Variable interest rate:    (comparison rate: )

WARNING: The comparison rates are 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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Interest rate

For ANZ Variable or Fixed Rate Personal Loan

For the purposes of this calculator, the following default interest rates are used and are subject to change:

Fixed interest rate:    (comparison rate: )

Variable interest rate:    (comparison rate: )

WARNING: The comparison rates are 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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