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Consolidate your debts with our reduced interest rate offers on Personal Loans

Fixed or variable, the choice is yours

If you’re struggling to pay off your debts, an ANZ Personal Loan could give you greater control over your finances and help you save on interest.

Choose a loan


Keep things simple

Consolidate your debts into one loan. If approved you could have:

One loan amountdisclaimer

One repayment amount

One end date for when your loan will be paid off

Interest rates & fees

ANZ Fixed Rate Personal Loan

rates and fees

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

Comparison ratedisclaimer

Loan approval fee

$150

Loan administration charge

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

Late Payment Fee

$20

Early Repayment Charges

$300 Early Repayment Administration Fee. You may also incur an Early Repayment Cost, refer to Early Repayment Charges (PDF 47kB). You'll find further details in the ANZ Consumer Lending Terms and Conditions booklet (PDF 475kB)

ANZ Variable Rate Personal Loan

rates and fees

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

Comparison ratedisclaimer

Loan approval fee

$150

Loan administration charge

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

Late Payment Fee

$20

Choose a loan to fit your needs

I want stability

You could consider an ANZ Fixed Rate Loan

  • Certainty that your repayments won’t change 
  • Control over your budget
  • Same day cash in your ANZ everyday account if approved in branch by midday Mon-Fridisclaimer
OFFER

We’ve reduced our fixed interest rate to  Comparison rate disclaimer Limited time offer. Eligibility criteria and terms and conditions applydisclaimer

ANZ Fixed Rate Loan

Learn more

disclaimerdisclaimer

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

disclaimer

Comparison rate

View rates and fees

Compare ANZ Personal Loans

I prefer flexibility

You could consider an ANZ Variable Rate Loan

  • No exit fees if you pay your loan off early
  • Flexibility to increase your loan amount
  • Same day cash in your ANZ everyday account if approved in branch by midday Mon-Fri disclaimer
OFFER

We’ve reduced our variable interest rate to  Comparison rate disclaimer Limited time offer. Eligibility criteria and terms and conditions applydisclaimer.   

ANZ Variable Rate Loan

Learn more

disclaimerdisclaimer

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

disclaimer

Comparison rate

View rates and fees

Compare ANZ Personal Loans

Calculators

Your details

How much do you earn?

$/ year
$/ year
$/ year
$/ year

How much do you spend?

$/ monthRequired
$/ month
$/ month
$

The borrowing power shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual borrowing capacity may vary. To find out actual borrowing capacity, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by ANZ. It does not take into account your personal or financial circumstances.  To apply for an ANZ Personal Loan you must complete an application.  All applications are subject to ANZ’s credit assessment criteria. Terms, conditions, fees and charges apply. ANZ will not store the information provided in this calculator.

The borrowing calculator is based on ANZ Variable Rate Personal Loan, over a seven year term, with monthly repayments and our current standard variable rate:  (comparison rate: ). The interest rate applicable to ANZ Fixed Rate Personal Loan is currently  (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:
 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.

Loan amount

$
p.a.
p.a.

 

The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by ANZ. It does not take into account your personal or financial circumstances. To apply for an ANZ Personal Loan you must complete an application. All applications are subject to ANZ’s credit assessment criteria. Terms, conditions, fees and charges apply. ANZ will not store the information provided in this calculator. For more important information about the interest rates and repayment amounts shown in this calculator, see the ‘Important Information’ section at the bottom of this page.

For an ANZ Fixed or Variable rate Personal Loan, the repayment amount shown on this calculator includes the Loan Approval Fee of $150, interest and monthly Loan Administration Charge of $10.

How does debt consolidation with an ANZ Personal Loan work?

Having multiple debts can be a little stressful at times. You might find yourself juggling several repayments coming out of your account at different times.

To help make your debts easier to manage, you could consolidate your existing debts into one easy to manage loan. 

You can do this by applying for an ANZ Personal Loan and, if approved, using the funds from this loan to pay off your other existing debts, and then repaying your ANZ Personal Loan back over a set term. And in most cases, ANZ will be able to disperse the loan funds directly to the other lenders on your behalf to pay off your other debts.

The key benefits of consolidating your debts with an ANZ Personal Loan can include:

  • having only one set of regular repayments to make;
  • potentially paying less in fees and charges and being able to get a lower overall interest rate when compared to your existing debts; and
  • having a clearer timeline to the day you can pay off your debt.

Examples of the types of debts that can be consolidated with an ANZ Personal Loan include credit cards, car finance, other personal loans, outstanding tax debt, store cards, and hire purchase instalment plans.

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.

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 with us

Speak to a Loan Specialist

Available Mon-Fri 8.00am to 8.00pm (AEST)

Call 1800 339 410

General Personal Loan Enquiries

Available Mon-Fri 8.00am to 8.00pm (AEST)

Call 1800 801 485

Visit a branch

Locate an ANZ branch near you.

Locate us

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.

Actual repayment amounts may vary. To find out actual repayment amounts on your ANZ Personal Loan 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 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.

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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.

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.

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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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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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