skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus
Find ANZ Contact
Find ANZ Contact

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.

 

Interest rates & fees

 

Keep things simple and 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

Choose a loan to fit your needs


The best suited product is Fixed Rate Loan. Compare all products below.

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
  • You don't want to use your car as security

View rates & fees 

Learn more

Apply now

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
  • You don't want to use your car as security

View rates & fees 

Learn more

Apply now

Calculators

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

FAQs

Can I pay off my loan early?

What's a comparison rate?

How is interest calculated for an ANZ Personal Loan

More commonly asked questions

Apply

1

Complete the application in about 10 minutes

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

2

We'll respond to your application

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

3

If approved, you'll receive the funds

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

ANZ Variable Rate Loan

Apply now

ANZ Fixed Rate Loan

Apply now

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)

Important information

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.

Back to top

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 top

Early repayment costs apply if you repay your loan early during a fixed interest rate period.

Back to top

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.

Back to top

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.  

Back to top

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.

Back to top

Contact