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A loan for life's surprises

Life doesn't always go according to plan.  When the unexpected happens, an ANZ Personal Loan might be able to help.

Life, meet loan

Emergency home repairs need doing, cars break down and special occasions pop up. Or, maybe you're juggling multiple debts and after a way to make managing them simpler.  Whatever your needs, an ANZ Personal Loan could help you take control and reach your goals.

Drive away, sooner

Better safety features, more space, improved efficiency… However a new car might make your life easier, a ANZ Personal Loan could help make it yours, sooner.

I need a new car

 

Consolidate your debt

Consolidating your debts into one, easy-to-manage ANZ Personal Loan could help you avoid the stress and hassle of juggling multiple rates, fees and due dates.

I'm interested in debt consolidation

 

Make home improvements

Renovating to boost the market value of your home, or need to upgrade furniture and whitegoods? Find out how an ANZ Personal Loan could help you make it happen.

I'm renovating my home

 

Take that trip or holiday

Dreaming of sailing the Whitsundays, sunrise at Uluru, or roadtripping the East Coast? An ANZ Personal Loan could be used for flights and accommodation, plus unexpected travel costs.

I'm planning a trip

 

Have your dream wedding or special occasion
 

Making your big day unforgettable can be expensive. If the dress, venue, car and cake are all adding up… an ANZ Personal Loan could help you have the day you want.

I'm planning an events

 

Get that boat, caravan, motorbike or truck

Fancy cruising around the bay, or travelling around the country? An ANZ Personal Loan could help get you there.

I want a boat, caravan, motorbike or truck

 

Compare ANZ Personal Loans

I want flexibility

ANZ Variable Rate Loan

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

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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

Explore ANZ Variable Rate Loan

I prefer stability

ANZ Fixed Rate Loan

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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)

Explore ANZ Fixed Rate Loan

How to apply

Check if you're eligible

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 applicant. Joint applicants can apply at any AZN Branch

What you'll need to apply

  • Details of your income, assets, expenses and financial commitments
  • 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 your way

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.

Get started

Get in touch

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

Speak to a Loan Specialist

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

Call 1800 339 410

 

Visit a branch

Locate an ANZ branch near you

Book an appointment Locate an ANZ Branch

Your questions answered

An ANZ Personal Loan lets you borrow an approved amount of money from ANZ.

You can apply to borrow between $5,000 and $50,000 for a term of 1-7 years, at either a fixed or variable interest rate, and you pay back your loan (with interest) in instalments over the agreed term.

ANZ offers unsecured personal loans and there are two types of ANZ Personal Loans: Fixed Rate Personal Loan and Variable Rate Personal Loan.

  

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

  

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.

   

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).

   

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

   

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.

  

The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any 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.

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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 15 December 2021. If a customer applies or is approved for an ANZ Variable Rate Personal Loan after 15 December 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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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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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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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 15 December 2021. If a customer applies, is approved or draws down on an ANZ Fixed Rate Personal Loan after 15 December 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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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).

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