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Get started on your Personal Loan journey with ANZ

Whether you’re looking for a personal loan to buy a new car, renovate your home, simplify your finances, hold your dream wedding or travel to new destinations, an ANZ Personal Loan may help you reach your goals.

Before you apply

Check you're eligible

To be eligible for an ANZ 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.

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 help.

Fixed or variable? Compare benefits, rates and fees

Things to consider when applying for a personal loan

Get in touch

Not sure which loan to choose, or have a question about your application or eligibility criteria? Give us a call, we’re here to help.

General personal loan enquiries

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

Call 1800 801 485

Visit a branch

Locate an ANZ branch near you

Book an appointment Locate an ANZ Branch

Your questions answered


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).


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.