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ANZ Fixed Rate Personal Loan

Get what you need – with the certainty of fixed repayments. You’ll know exactly how much your repayments are and for how long, which can help you plan and budget.

   Apply to borrow between $5,000 and $50,000

   Get a loan term of 1 to 7 years

limited time offer

A personal loan for what you need. $500 cashback for what you want.disclaimer

Need a new or used car? A holiday? New furniture? Apply for a new ANZ Personal Loan of $10,000 or more and you could get $500 cashback.disclaimer Limited time offer.

Limited to one cashback offer per loan per customer within an 18 month period. ANZ’s eligibility and credit assessment criteria, T&Cs, fees and charges apply.disclaimer

Our interest rates

Interest rate rangedisclaimer

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The interest rate range shows the minimum and maximum interest rate that may be applicable. Your personalised interest rate will depend on our assessment of your credit score and will be confirmed in your Letter of Offer (if approved). See important information below for full T&Cs.

Comparison rate rangedisclaimer

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Loan features

Enjoy the peace of mind of...

Certainty your interest rate won’t change.

You’re locked into a fixed interest rate, so your repayments won’t change even if rates increase.

Control over your budget

You’ll know your costs upfront and can choose to pay weekly, fortnightly or monthly repayments over 1 to 7 years.

disclaimer

Convenience to manage your loan online

Make repayments and track your balance with ANZ Internet Banking or the ANZ App.disclaimer

Same-day cash when you’re approved in branchdisclaimer

You’ll get cash in your ANZ everyday account if you apply and are approved in branch by midday Monday to Friday.

Trade-offs

  • Early repayment charges may apply if you make early or extra repayments, repay your loan early or increase your loan amountdisclaimer
  • No access to extra money paid (redraw)

Fees & charges

Rates and Fees

Loan Approval Fee

$150

Loan Administration Charge

$10 per month, debited every three months until the loan is closed in ANZ systems

Early repayment charges

You may incur an Early Repayment Cost, which may be significant, if you make early or additional payments. See Early Repayment Costs (PDF) and Consumer Lending Terms and Conditions booklet (PDF).

Late Payment Fee

$20 will be charged if your repayment is five days late or more. A further $20 will be charged monthly until repayments are up to date.

Prefer more flexibility?

See our Variable Rate Loan

Features

Ability to make early or extra repayments, or repay your loan early, without additional costs

Flexibility to increase your loan amount (subject to credit assessment)

Access to extra money paid (redraw)

Same-day cash in your ANZ everyday account if approved in branch by midday Monday to Fridaydisclaimer

 

Trade-offs

  • Your repayments may change as your interest rate may increase or decrease during the term

Compare ANZ Personal Loans

Loan and repayments calculators

The borrowing calculator and repayments calculator provide estimates only and are based on the accuracy of the information provided. They do not constitute any quote, loan approval, agreement, offer or acceptance of credit by ANZ or advice.

   

Explore personal loan purposes

Our personal loans can be used for just about anything. Click on a loan purpose below to get some useful tips and tools. Got another reason for seeking a personal loan? We can help with that too. Apply below

How to apply

Check you're eligible

To be eligible for a personal loan, you must:

be 18 years of age or older  

earn a minimum of $15,000 per year  

be an Australian citizen, permanent resident or have a valid visa

be a sole or joint applicant. Joint applicants can apply at any ANZ Branch.

Get your documents ready

Here’s what you’ll need to apply:

details of your income, expenses, assets and liabilities

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.

Look out for our reply

Once you've submitted your application:

  • we’ll review the information provided in your application and may ask you for supporting documentation
  • if your loan is approved, we’ll send you a letter of offer for you to review
  • if you accept and sign the letter of offer, we’ll put the money in your nominated account.

Get started online

Apply online

If you’re ready to apply online and have your documents handy, you can get started now.

Apply online

To complete your application, you'll need:

  • Details of your income, expenses (bills and other financial commitments), assets and liabilities (debts you owe)
  • 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.

Personal Loan Quick Start

Get started online and we'll call you back to help with your application. 

Get started

  1. Tell us your contact details and how much you'd like to borrow
  2. We’ll get back to you in 2 to 3 business days
  3. We’ll answer any questions you have and help you submit your application
  • You don’t need to supply any documents at this stage
  • A credit check won't be done at this stage

Apply over the phone or in branch

Apply by phone

Call our Loan Specialists Monday to Friday, 8am to 8pm (AEST).

Call 1800 339 410

Apply in branch

Come chat to us in person at your local ANZ branch.

Book an appointment Locate an ANZ Branch

Already applied for an ANZ Personal Loan?

To track your application or supply documents, you'll need your application reference number from your loan application confirmation email from us.

Track my application

Supply application documents

Get in touch

Not sure which loan to choose, have a question about your application or eligibility criteria? Give us a call or visit in person. We're here to help.

General personal loan enquiries

Available Monday to Friday 8am to 7pm (AEST)

Call 1800 801 485

Tips & guides

How to manage debt

Debt doesn’t have to be a dirty word. In fact, it can be good, bad or just downright useful. We look into types of debt and ways to get on top of them.

Read tips for managing debt

4 tips for your personal loan application

Ready to start your personal loan application? Make sure you’re eligible, have done your research and worked out your budget first.

Read application tips

Tips for buying a car

Need the freedom of your first car, or an upgrade to one that's more efficient? If you’re in the market for a new, used or demo car there’s a few things to consider before you take the plunge.

Read tips for buying a car

Your questions answered

Cashback offer

To receive the $500 cashback offer, a customer must:

(a) Apply for a new ANZ Personal Loan of $10,000 or more, or apply for an increase to their current ANZ Personal Loan which results in a total loan amount of $10,000 or more.

(b) Apply between May 15th 2024 and August 15th 2024.

(c) Draw down funds.

There is a limit of one $500 cashback offer per eligible customer within an 18-month period. If a customer closes their ANZ Personal Loan account or nominated transaction account before the cashback payment is paid, they will be ineligible for this offer.


A customer can only receive one cashback during any 18-month period. For joint applications, only one cashback payment will be paid in total for the application and will be paid to the first listed applicant.

Customers can apply in branch, over the phone or online (www.anz.com.au/anzpersonalloan). For joint applications, customers must apply in branch.

The cashback amount will be paid into the transaction account in which the loan funds are disbursed within 120 days from the date of draw down.

If we do not have details for an appropriate account, the customer will be contacted via an outbound call.

General

ANZ offers two types of unsecured personal loans between $5,000 and $50,000. Both the ANZ Fixed Rate Loan and ANZ Variable Rate Loan can be used for a specific purpose, such as consolidating debt or a big purchase like buying a new or used car.

Before you apply for an ANZ Personal Loan, it’s important to figure out how much you could borrow, and what you can afford to repay.

If approved

When you are approved for an ANZ Personal Loan, you will be approved to borrow a specific amount of money. This will be transferred to your nominated bank account in a lump sum at the start of your loan term. You will need to repay the amount borrowed, along with interest accrued and any fees or charges incurred, in regular instalments over a set term.

You can choose a term between 1 to 7 years, depending on how long you think you will need to pay off the loan. You can have one set of regular repayments to line up with your pay cycle, such as weekly, fortnightly or monthly.

Learn more about:

   

ANZ Fixed Rate Personal Loans and ANZ Variable Rate Personal Loans are unsecured. This means you do not have to use an asset like your car or home as security to get a loan.

  

If you have an ANZ Variable Rate Personal Loan, you can pay off your loan early by making early or extra repayments without additional costs. This could help you to save on the interest you pay over the life of the loan. 

With an ANZ Fixed Rate Personal Loan, early repayment fees and charges, which may be significant, may apply if you make early or additional repayments or repay your loan early. Refer to Early Repayment Charges (PDF) and  ANZ Consumer Lending Terms and Conditions booklet (PDF).

  

ANZ Fixed Rate Personal Loan

An ANZ Fixed Rate Personal Loan gives you the certainty of fixed repayments for the term of your loan. This means if interest rates increase your repayments stay the same.

However, if you're looking to pay off your loan early, make extra repayments or increase your loan amount, early repayment fees and charges may apply. See Early Repayment Charges (PDF) and ANZ Consumer Lending Terms and Conditions booklet (PDF) for further information. You also do not have access to any early repayments made to the loan.

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. You can make early or extra repayments to pay off the loan faster (and save on interest charges), and redraw any extra money you’ve paid on your loan, without additional costs.

  

Interest explained

Interest is calculated on the unpaid daily balance of your loan and is charged to the loan on a fortnightly or monthly basis (depending on which product you have). The interest rate applied each day is equal to your annual interest rate, divided by 365.

It's important to note that the interest charged to your loan may be different each month for ANZ Fixed Rate and Variable Rate Personal Loans, as it depends on a variety of factors, such as the number of days in that month, the applicable annual interest rate and the unpaid balance of your loan. For the full details about how interest is calculated refer to our Consumer Lending terms and conditions brochure (PDF).

  

Different agencies can hold different information, you may have a credit report with more than one agency.

ANZ uses the credit score provided by Equifax to determine your applicable interest rate. We recommend that you access your credit report or credit score from Equifax or getcreditscore.com.au for a more accurate estimate.

A range of interest rates apply to ANZ Personal Loans. The interest rate range shown sets out the minimum and maximum interest rate that may be applicable.

We tailor your interest rate based on our assessment of your credit score. Where you have demonstrated good credit-based behaviour, such as not opening too many credit products or making repayments on time for your other credit products, this will be reflected in your credit score and you may be offered a rate in the lower end of our range. Where your credit history isn’t as long, or as good, or you have made many credit applications in a short period of time, this may negatively impact your credit score and you’ll likely be offered a rate at the higher end of our range.

We'll confirm your interest rate in a letter of offer, which you can decide whether to accept.

Here are some things to consider when applying for a personal loan.

A comparison rate 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 Moneysmart.

  

Applying for a personal loan

Yes, you can apply but your application for an ANZ Personal Loan will be subject to ANZ’s credit assessment criteria.

Your liabilities and other financial commitments, such as an existing personal loan with another lender, will be taken into account when we assess your application for an ANZ Personal Loan.

  

You'll need to provide information on:

  • your income amount and frequency
  • your assets
  • what existing financial commitments you have with ANZ and other financial institutions, such as personal loans, home loans or credit cards
  • your expenses, such as how much you spend on gas, electricity, insurances, food, transport and lifestyle expenses

We ask for this information so that we can verify your financial circumstances and assess your ability to repay an ANZ Personal Loan without substantial hardship. You can explore which ANZ Personal Loan may suit your needs by using our tools and calculators. 

  

If you’re not a permanent Australian resident, you may still be eligible to apply for an ANZ personal loan. You will be required to meet specific visa and income verification requirements. Valid visas include a range of working visas and business visas.  

Working visas

Includes all temporary visa subclasses that allow an individual to work in Australia. This typically includes holders of skilled category visas but can also include some family category visas.

Working holiday visas are not acceptable.

Business visas

Includes all temporary/provisional business visa subclasses that allow business people to establish or manage a new or existing business or invest in Australia. This generally includes holders of business owner, senior executive or investor category visas.

For more details please visit an ANZ branch or call 1800 339 410 to discuss your application. You can also find out what a particular visa entitles the holder to by visiting Department of Home Affairs website.

  

You don’t have to pay stamp duty on any of our personal loans.

But if you’re buying a car, you may need to pay stamp duty to the state or territory government to register it and to transfer its registration. The amount of stamp duty varies between states and territories, and also depending on the type of vehicle.

Remember that this money doesn’t go to us, but to the relevant state or territory government.

  

Any information provided is general in nature and does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you. ANZ recommends you read the applicable Terms and Conditions booklets and the ANZ Financial Services Guide before deciding whether to acquire, or continue to hold, a particular product.

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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Cashback offer available to customers who apply for (1) a new ANZ Personal Loan of $10,000 or more or (2) an ANZ Personal Loan increase with a total loan amount of $10,000 or more, between May 15 2024 and August 15 2024. This offer may be withdrawn or changed at any time without notice. The loan must be approved, and the funds drawn down to be eligible for the cashback offer. There is a limit of one $500 cashback offer per eligible customer within an 18-month period. The cashback payment will be paid within 120 days of drawdown into the transaction account which the loan funds are disbursed into. The transaction account must be in the same name as the loan account. For joint applications, only one cashback payment will be paid in total for the application and will be paid to the first listed applicant. For joint applications, the account for funds disbursements must include the name of the first listed applicant. Applications for a joint ANZ Personal Loan or an increase of a joint ANZ Personal Loan may only be made in branch. If a customer closes their ANZ Personal Loan account or transaction account before the cashback payment is paid, they will become ineligible for this offer. Applications for credit are subject to ANZ’s eligibility and credit assessment criteria. If you have any questions about the tax treatment of the cashback offer, please discuss with a tax agent or the Australian Tax Office.

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Interest rates as at  and are subject to change. These interest rates may be withdrawn or changed at any time without notice and may not be available in conjunction with any other offers, packages, or promotions.

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These comparison rates are based on a $30,000 Personal Loan for a five year term. The rates are applicable for unsecured loans only. 

WARNING:
 These 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 different comparison rates.

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The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.  ANZ App for Android is only available on Google Play™. ANZ App for iPhone is only available from the App Store.

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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 6pm (AEST) weekdays.

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Fixed rate personal loans aren’t for everyone and early repayment fees and charges, which may be significant, may apply if you make early or additional repayments or repay your loan early. Refer to Early Repayment Charges (PDF) and ANZ Consumer Lending Terms and Conditions booklet (PDF).

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