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.
This loan may suit you if you would like
You're in control of your loan
Your repayments won’t changeEven 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. |
Make budgeting easierYou can set your budgets knowing that your repayments won't change for the life of the loan. |
Get the money quicklyIf 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 |
It’s easy to manage your loan onlineYou can log on to ANZ Internet Banking to see your balance, repayments, interest paid and details about your next payment. |
| 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) |
| Loan administration charge | $10 per month, charged at the end of each quarter |
| 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
Get help with your loan repayments if things don’t go to plan.
ANZ Loan Protection is an insurance that could help with your ANZ Personal Loan repayments if the unexpected stops you from working. So if you can’t work due to an illness or injury, or if you’re made redundant, you can still stay on top of your loan repayments.disclaimer,disclaimer,disclaimerAnd if you unexpectedly pass away, your outstanding debt will be paid off for you, up to $100,000.
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)
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.
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)
What’s the difference between a variable and fixed rate Personal Loan?
A fixed rate personal loan gives you the certainty of fixed repayments throughout the loan, but there will be charges if you’d like to make early or extra repaymentsdisclaimer and your repayments won't change even if rates decrease. With a variable rate personal loan, your interest rate may change 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 if you like.
If you repay some or all of your ANZ Secured Car Loan (which is a fixed rate loan) early, additional fees and charges will apply. Please refer to 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/.
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).
All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply.
You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.
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 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 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.
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: )
Back to topThe 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.
Back to topPre-existing condition exclusion applies: Any sickness, accident or condition that: is the subject of a medical consultation during the six months immediately before the policy commencement date, and leads directly or indirectly to death or disablement in the first six months immediately after the policy commencement date, wont be covered.
Back to topThere is no cover available for the Disability benefit or Involuntary Unemployment Benefit if you are working in a permanent part time, casual, contract or temporary capacity or you are self-employed for less than 10 hours per week.
Back to topExisting ANZ Personal Loan accounts with an ANZ Loan Protection insurance discount will continue to have the 0.25% p.a. interest rate discount for the life of the insurance policy. The discount will end once the existing ANZ Loan Protection insurance policy ends. For more details on Loan Protection Insurance, please refer to ANZ Loan Protection Product Disclosure Statement and Policy.
Back to topEarly repayment costs apply if you repay your loan early during a fixed interest rate period.
Back to top