ANZ Smart Choice Super.
Super. Easy.
Set up in just five minutes,
in app or online.
Enjoy the flexibility of an ANZ Variable Rate Personal Loan, which may help you take control and reach your goals.
Apply to borrow between $5,000 and $50,000
Get a loan term of 1 to 7 years
Best Personal Loan Provider 2022
RFI Global
Jump to
Variable interest rate | How to apply |
Fees and charges | Get started online |
Loan and repayment calculators | Frequently asked questions |
Need new appliances? A new car? Holiday? Apply for a new ANZ Personal Loan of $10,000 or more and you could get $500 cashback.disclaimer Hurry, offer must end.
Limited to one cashback offer per loan per customer within an 18 month period. Eligibility, T&Cs, fees and charges
Interest rate rangedisclaimer
The interest rate range shows the minimum and maximum interest rate that may be applicable. Your personalised interest rate will depend on our assessment of your credit score and will be confirmed in your Letter of Offer (if approved). See important information below for full T&Cs.
Comparison rate rangedisclaimer
You can make extra repayments whenever you like without additional cost, helping you to pay it off earlier and potentially save on the interest you pay.
If you need a bit extra, you could apply to increase your loan if your plans get bigger. If approved, you'll continue to have one loan amount and one repayment schedule.
You can choose to redraw additional loan repayments you have made at no extra cost (terms and conditions apply).disclaimer
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.
Loan Approval Fee | $150 |
Loan Administration Charge | $10 per month, debited every three months until the loan is closed in ANZ systems |
Early repayment charges | Not applicable |
Late Payment Fee | $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. |
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
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.
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.
Once you've submitted your application:
If you’re ready to apply online and have your documents handy, you can get started now.
To complete your application, you'll need:
Get started online and we'll call you back to help with your application.
Chat to us in person at your local ANZ branch
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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.
Cashback offer available to customers who apply for (1) a new ANZ Personal Loan of $10,000 or more or (2) an ANZ Personal Loan increase with a total loan amount of $10,000 or more, between August 16 2023 and December 13 2023. This offer may be withdrawn or changed at any time without notice. The loan must be approved, and the funds drawn down within 90 days of approval to be eligible for the cashback offer. There is a limit of one $500 cashback offer per eligible customer within an 18-month period. The cashback payment will be paid within 120 days of drawdown into the transaction account which the loan funds are disbursed into. The transaction account must be in the same name as the loan account. For joint applications, only one cashback payment will be paid in total for the application and will be paid to the first listed applicant. For joint applications, the account for funds disbursements must include the name of the first listed applicant. Applications for a joint ANZ Personal Loan or an increase of a joint ANZ Personal Loan may only be made in branch. If a customer closes their ANZ Personal Loan account or transaction account before the cashback payment is paid, they will become ineligible for this offer. Applications for credit are subject to ANZ’s credit assessment criteria. If you have any questions about the tax treatment of the cashback offer, please discuss with a tax agent or the Australian Tax Office.
ReturnInterest rates as at and are subject to change. These interest rates may be withdrawn or changed at any time without notice and may not be available in conjunction with any other offers, packages, or promotions.
ReturnThese comparison rates are based on a $30,000 Personal Loan for a five year term. The rates are applicable for unsecured loans only.
WARNING: These 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 different comparison rates.
Terms and Conditions and eligibility criteria apply to ANZ Redraw. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF).
ReturnApplications 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 6pm (AEST) weekdays.
ReturnFixed 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) and ANZ Consumer Lending Terms and Conditions booklet (PDF).
ReturnInterest rates as at and are subject to change.
ReturnThere are various credit reporting agencies that can hold different information and you may have a credit report with more than one agency. However, ANZ uses the credit score provided by Equifax to determine the applicable interest rate, and therefore recommends that you access your credit report or credit score from Equifax or getcreditscore.com.au (who retrieve the credit score directly from Equifax) for a more accurate estimate.
ReturnThe interest rate shown using this calculator is an estimate of what your personalised interest rate could be based on the credit score and loan details you have provided. It is for illustrative purposes only and is based on the accuracy of the information entered, and your actual interest rate may vary when you complete an application and are approved. The estimate does not constitute a quote, loan approval, agreement or advice by ANZ and should not be taken as a guarantee that you will receive this interest rate. Your interest rate will be confirmed in your letter of offer (if approved).
ReturnFor the purposes of this calculator, the interest rate estimate is based on the current interest rate range applicable to ANZ Fixed and Variable Rate Personal Loans of to (comparison rate to ). Rates as at and are subject to change and may impact the estimate provided.
ReturnThe repayment amount shown using this calculator is an estimate based on the loan amount and loan term selected, and the credit score you have provided. The estimate is provided for illustrative purposes only and actual repayment amounts may vary when you complete an application and are approved. 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. 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 .
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