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

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
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)

 

interest rates
Early repayment fee $300  
Loan administration charge $10 per month, charged at the end of each quarter
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

Eligibility

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  

What is 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

Consolidate your debt

Buy a car

Renovate or improve your home

Travel

Celebrate a wedding or other occasions


Buy a motorbike, caravan or truck

Apply

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.

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)

FAQs

  What is the difference between a variable and a fixed rate?

  What is a comparison rate?

  Can I pay off my loan early?

More commonly asked questions

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.

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

Rates as at  and subject to change.

Back to top

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.

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