ANZ Fixed Rate Personal Loan
Get what you want with the certainty of fixed repayments
Apply now Interest rates & fees
Our fixed rate personal loan gives you the certainty of knowing you’re protected from interest rate movements. You’ll always know how much your repayments are and how many repayments remain, which will help you budget.
Same day cash if approved in branchdisclaimer
If you apply in branch and are approved by midday Monday to Friday, you can have the money in your existing ANZ everyday account on the same day.disclaimer
| Your interest rate | disclaimer |
| Comparison interest rate | disclaimer |
| Minimum loan amount | $5,000 |
| Maximum loan amount | $50,000 |
| Loan Approval Fee | $150 (one-off payment) |
| Early Repayment Fee | $300 |
| Loan Administration Charge | $10 per month, debited every three months until the loan is closed in ANZ systems. |
| Minimum loan term | 1 year |
| Maximum loan term | 7 years |
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
To be eligible, you need to
- Be at least 18 years old
- Earn a minimum of $15,000 per annum
- Be an Australian citizen, permanent resident or have a valid visa
Details to have handy
- Income, employment and financial commitment details
- Driver's licence (if you have one)
- Your ANZ Account number or Customer Registration Number (if you have one)
Use this loan to
1
Complete the application in about 10 minutes
Please make sure you have the details handy – we’ve listed them above.
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.
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. Australian credit licence number 234527.
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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 topRates as at and subject to change.
Back to topThis 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.
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 topComparison 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 topInterest 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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