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.
Apply now Interest rates & fees
ANZ Variable Rate Loan
Get the flexibility of extra repayments and redraw
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
ANZ Fixed Rate Loan
You’re protected from interest rate movementsdisclaimer
This loan may suit you if you would like:
- 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
How much could I borrow?
Get an indication of how much you may be able to borrow
What could my repayments be?
Get an estimate of your potential loan repayments
Can I pay off my loan early?
If you have a variable rate personal loan, you can pay it off early by making early or extra repayments. This could save you money on the interest you pay.
With a fixed rate personal loan if additional payments are made, charges may be applied.
If you have an ANZ Secured Car Loan and decide to make early or extra repayments, early repayment charges will apply. For more information, please read ANZ Secured Car Loans - what happens if you repay some or all of your loan early (PDF 44kB).
What’s a comparison rate?
A rate that helps you work out the true cost of a loan. This rate takes other fees and charges into account, like a loan approval fee and loan administration charge in addition to the interest rate. It’s meant to be a fairer way of comparing how much a loan will cost you.
For more information visit https://www.moneysmart.gov.au/.
How is interest calculated for an ANZ Personal Loan or ANZ Secured Car Loan?
Interest is calculated on the unpaid daily balance of your loan and is charged to the loan on a fortnightly or monthly basis (depending on which product you have). The interest rate applied each day is equal to your annual interest rate, divided by 365.
It's important to note that the interest charged to your loan may be different each month for ANZ Fixed Rate and Variable Rate Personal Loans, as it depends on a variety of factors, such as the number of days in that month, the applicable annual interest rate and the unpaid balance of your loan. For the full details about how interest is calculated refer to our Consumer Lending terms and conditions brochure (PDF 475kB).
For more information about how interest is calculated for the ANZ Secured Car Loan, contact 13 22 73 to obtain a copy of the terms and conditions.
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Complete the application in about 10 minutes
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2
We'll respond to your application
We’ll email you to confirm your application has been received and explain the next steps.
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If approved, you'll receive the funds
If you accept our offer, we’ll put the money in your account.
Get a response in 60 seconds.
Other ways to apply: Visit any ANZ Branch or call a loan specialist on 1800 339 410
Mon to Fri, 8am to 8pm (AEST)
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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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.
Back to topEarly repayment costs apply if you repay your loan early during a fixed interest rate period.
Back to topTotal 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.
Back to topFor ANZ Secured Car Loan
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.
For ANZ Variable and Fixed Rate Personal Loan
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.
For ANZ Secured Car Loan
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.
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: )
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