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ANZ Fixed Rate Personal Loan

Get what you want with the certainty of fixed repayments. 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.

How to apply Interest rates & fees

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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.

Make budgeting easier

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

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

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) disclaimer,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, 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

How to apply

Before you apply

Check you’re eligible

You must:

  • Be at least 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 applicant. Joint applicants can apply at any ANZ branch

What you'll need

  • 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

How to apply

Apply in the way that suits you best. If you’re short on time or need a little help we have a number of flexible application options for you to choose from.

Need a bit more information first?

If you want to know a bit more before you take those next steps, here’s some information that may be helpful.

Things to consider when applying for a personal loan

Choose the loan that's right for you

Personal Loan Quick Start

Get started online and we’ll call you back

If you’re unsure of the type of loan you need, or want some help on your loan application, simply fill out a few basic details online to get your application started.

  • Once we receive your details, we’ll call you back within 1-2 business days
  • We’ll help you work out the right personal loan for you and assist you to progress your application
  • Financial details and supporting documents can be supplied at a later stage
  • A credit check will not be conducted until we have spoken with you

Apply now

It only takes around 5 minutes

Apply Online

Complete your full application online

If you know what you’re after and you’re comfortable with completing the application yourself, you can submit your entire personal loan application online.  You’ll need to set aside a bit more time, and have the below information ready.

  • 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

We have 2 personal loans to choose from:

ANZ Fixed Rate Loan

disclaimer,disclaimer

Reduced interest rate (eligibility criteria,
and terms and conditions apply)

disclaimer

Comparison rate

Apply now

ANZ Variable Rate Loan

disclaimer,disclaimer

Reduced interest rate (eligibility criteria,
and terms and conditions apply)

disclaimer

Comparison rate

Learn moreApply now

 

Over the phone or in branch

Want to speak to a personal loan specialist first?

Speak to a Loan Specialist

Available Mon – Fri 8:00am to 8:00pm (AEST)

Call 1800 339 410

Visit a branch

Locate an ANZ branch near you

Book an appointment  Find an ANZ branch

Get in touch

If you need some help with your application, don’t meet our eligibility criteria or have another general loan enquiry, give us a call.

General personal loan enquiries

Available Mon – Fri 8:00am to 8:00pm (AEST)

Call 1800 801 485

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Your questions answered

ANZ Fixed Rate Personal Loan

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.

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).

  

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 475kB).

For more information about how interest is calculated for the ANZ Secured Car Loan, contact 13 23 73 to obtain a copy of the terms and conditions.

  

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 Moneysmart.

  

You can use an ANZ Variable Rate or Fixed Rate Personal loan for the things you want, such as:

   

If you are not a permanent Australian resident, you may still be eligible to apply for an ANZ personal loan but 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.

  

If you’re applying for an ANZ Variable Rate or Fixed Rate Personal Loan and your application is approved, you won’t need to provide any security as these are unsecured loans.

But if you apply for an ANZ Secured Car Loan and your application is approved, we’ll use the car you have purchased as security. As a result, we may be able to offer you a lower interest rate than an unsecured loan.

  

You don’t have to pay stamp duty on any of our personal or car 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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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 are subject to change without notice.

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This offer interest rate shown is inclusive of a discount on the ANZ Personal Lending Index Rate (which is subject to change). 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 28 July 2021. If a customer applies, is approved or draws down on an ANZ Fixed Rate Personal Loan after 28 July 2021, the standard fixed interest rate, currently 12.45% p.a. (comparison rate 13.32% p.a.) as at  may apply. This interest rate offer may be withdrawn or changed at any time without notice and 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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This offer interest rate shown is inclusive of a discount on the ANZ Personal Lending Index Rate (which is subject to change). This offer is only available to customers who apply for an ANZ Variable Rate Personal Loan and are approved on or before 28 July 2021. If a customer applies or is approved for an ANZ Variable Rate Personal Loan after 28 July 2021, the standard variable interest rate, currently 15.99% p.a. (comparison rate 16.84% p.a.) as at  may apply. This interest rate is subject to change. This interest rate offer may be withdrawn or changed at any time without notice and is not available in conjunction with any other offers, packages or promotions.

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