skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Apply for an ANZ Personal Loan

Life happens. Whether you need a new car, to make home repairs or consolidate debt, an ANZ Personal Loan could help you take control and reach your goals.

A personal loan may be suitable if you…

Want to borrow a specific amount upfront between $5,000 and $50,000 (subject to approval)

Want a loan term of 1 to 7 years that is paid off over time with regular repayments

Want the choice of a fixed or variable interest rate

Need to borrow extra money and don't want to provide an asset as security

Choose the personal loan that works for you

ANZ Fixed Rate Loan

I need stability

fees

disclaimer,disclaimer

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

disclaimer

Comparison rate

Features

Certainty your repayments won’t change even if rates increase as you’ve locked in a fixed interest rate

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

 

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 the ANZ systems.

Early repayment charges

$300 Early Repayment Administration Fee applies when you pay off a loan early. You may also incur an Early Repayment Cost, which may be significant. See Early Repayment Costs (PDF 47kB) and Consumer Lending Terms and Conditions booklet (PDF 475kB).

Late Payment Charges

$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.

Potential loan amount (subject to credit assessment criteria)

$5,000 to $50,000

Potential loan term

1 to 7 years

ANZ Variable Rate Loan

I prefer flexibility

fees

disclaimer,disclaimer

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

disclaimer

Comparison rate

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

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 the ANZ systems.

Early repayment charges

Not applicable.

Late Payment Charges

$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.

Potential loan amount (subject to credit assessment criteria)

$5,000 to $50,000

Potential loan term

1 to 7 years

Before you 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

Get help with your application

If you’re ready to apply, but have a few questions, we’re here to help.
 

Request a callback
 

  1. Tell us your contact details and how much you'd like to borrow
  2. We’ll call you back within 1-2 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 online

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

apply online
ANZ Fixed Rate Loan ANZ Variable Rate Loan
Apply online Apply online
 Learn more Learn more


To complete your full 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.

Apply by 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

Chat to us in person at your local ANZ branch.

Book an appointment Find 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

General personal loan enquiries

Available Monday to Friday 8am to 8pm (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. Explore 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? Read our tips first.

Read personal loan application tips

Your questions answered

General

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 47kB) and  ANZ Consumer Lending Terms and Conditions booklet (PDF 475kB).

  

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 47kB) and ANZ Consumer Lending Terms and Conditions booklet (PDF 475kB) 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 475kB).

  

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.

  

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.

Rates as at  and are subject to change without notice.

Return

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 27 October 2021. If a customer applies, is approved or draws down on an ANZ Fixed Rate Personal Loan after 27 October 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.

Return

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.

Return

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.

Return

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 47kB) and ANZ Consumer Lending Terms and Conditions booklet (PDF 475kB).

Return

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 27 October 2021. If a customer applies or is approved for an ANZ Variable Rate Personal Loan after 27 October 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.

Return
Top