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ANZ Fixed Rate Personal Loan

Get what you want with the certainty of fixed repayments 

Apply now Interest rates & fees

Track my application 

 

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.

 

 

Loan features

Your repayments won’t change

Even if interest rates change, your repayments won’t be affected. Your repayments will stay the same because you’ve locked in a fixed interest rate.

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

Make budgeting easier

You can set your budgets knowing that your repayments won't change for the life of the loan.

It’s easy to manage your loan online

You can log on to ANZ Internet Banking to see your balance, repayments, interest paid and details about your next payment.

Rates and fees

*interest rates
Reduced interest rate (eligibility criteria, and terms and conditions apply) disclaimerdisclaimer
Comparison interest rate disclaimer 
Minimum loan amount $5,000 
Maximum loan amount $50,000
Loan Approval Fee $150 (one-off payment)

 

interest rates
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

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

Use this loan to

Consolidate your debt

Buy a car

Renovate or improve your home

Travel

Celebrate a wedding or other occasions


Buy a motorbike, caravan or truck

How to apply

After you submit your application for an ANZ Personal Loan, you'll receive an application reference number and get a response within 2-5 days.

 

Check you're eligible

You must:

  • 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  

What is 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.



Apply now

It takes about ten minutes to apply.

ANZ Fixed Rate Loan

Learn moreApply now

FAQs

ANZ Fixed Rate Personal Loan

Alternatively, an ANZ Fixed Rate Personal Loan gives you the certainty of fixed repayments throughout the life of the loan and your repayments won't change even if rates increase.

However, there may be fees and charges if you’d like to make early or extra repayments or if you fully repay your loan early. Learn more about what happens if you repay some or all of it early (PDF, 46 KB).

ANZ Variable Rate Personal Loan

With an ANZ Variable Rate Personal Loan, your interest rate may increase or decrease during the loan term, and so may your repayments. Plus, you can make early or extra repayments to pay off the loan faster (and save on interest charges), or redraw any extra money you’ve paid on your loan if you like.

With an ANZ Fixed Rate Personal Loan, you can lock in an interest rate that stays the same over the life of the loan. So even if interest rates change, your repayment amount won’t.

This type of loan may be suitable if you want certainty that your repayments will stay the same throughout the life of the loan which can help to make budgeting easier. However, there may be charges if you’d like to make extra or early repayments or if you fully repay your loan early. Learn more about what happens if you repay some or all of it early (PDF, 46 KB).

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 an Early Repayment Fee of $300 will be applied. You may also incur early repayment costs. Please read ANZ Fixed Rate Personal Loan - what happens if you repay some or all of your loan early (PDF 47kB) to see how this is calculated.

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/.

 

More commonly asked questions

Get in touch with us

Speak to a Loan Specialist

Available Mon-Fri 8.00am to 8.00pm (AEST)

Call 1800 339 410

General Personal Loan Enquiries

Available Mon-Fri 8.00am to 8.00pm (AEST)

Call 1800 801 485

Visit a branch

Locate an ANZ branch near you.

Locate us

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.

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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 eligible ANZ everyday accounts, 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 offer is only available to customers who: apply for an ANZ Fixed Rate Personal Loan, are approved and draw down on their ANZ Fixed Rate Personal Loan on or before 2 February 2021. If a customer: applies, is approved or draws down on an ANZ Fixed Rate Personal Loan after 2 February 2021, the standard fixed interest rate, currently 12.45% p.a. (comparison rate 13.32% p.a.) as at    will apply. This interest rate is subject to change. This offer is available until 2 February 2021 only and may be withdrawn or changed at any time without notice. It is not available in conjunction with any other offers, packages or promotions.

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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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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: )

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: 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: )

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: 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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