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ANZ Variable Rate Personal Loan

Get the flexibility to make extra repayments

Apply now Interest rates & fees

 

Whether you’re looking to buy a new car, take a holiday, renovate your home or you want to consolidate debt, we could help you with an ANZ Variable Rate Personal Loan.

Loan features

Pay off your loan early with no exit fees

You can make extra repayments whenever you like to reduce your loan term and interest you pay, helping you to pay it off earlier.

Fast access to extra money you’ve paid

You can choose to redraw additional loan repayments you have made at no extra cost (terms and conditions apply).

Flexibility to increase your loan amount

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.

Same day cash if approved in branchdisclaimer

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.disclaimer

Rates and fees

interest rates
Your interest rate disclaimer
Comparison interest rate disclaimer
Minimum loan amount $5,000 
Maximum loan amount   $50,000
interest rates
Loan approval fee $150 (one-off payment)
Loan administration charge $10 per month, charged at the end of each quarter
Minimum loan term 1 year
Maximum loan term 7 years

Calculators

How much could I borrow?

Get an indication of how much you may be able to borrow

What could my repayments be?

Get an estimate of your potential loan repayments

Eligibility

To be eligible, you need to:

  • Be at least 18 years old  
  • Earn a minimum of $15,000 per annum   
  • Be an Australian citizen, permanent resident or have a valid visa  

What is a valid visa? 

Details to have handy

  • Income, employment and financial commitment details
  • Driver's licence (if you have one)
  • Your ANZ account number or Customer Registration Number (if you have one)
   

Apply

1

Complete the application in about 10 minutes

Please make sure you have the details handy – we’ve listed them above.

2

We'll respond to your application

We’ll email you to confirm your application has been received and explain the next steps.

3

If approved, you'll receive the funds

If you accept our offer, we’ll put the money in your account.

Apply now

Get a response in 60 seconds.

Other ways to apply: Visit any ANZ Branch or call a loan specialist on 1800 339 410

Mon to Fri, 8am to 8pm (AEST)

Get help with your loan repayments if things don’t go to plan.

ANZ Loan Protection is an insurance that could help with your ANZ Personal Loan repayments if the unexpected stops you from working. So if you can’t work due to an illness or injury, or if you’re made redundant, you can still stay on top of your loan repayments.disclaimer,disclaimer,disclaimerAnd if you unexpectedly pass away, your outstanding debt will be paid off for you, up to $100,000.

 

   

All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply. 

Pre-existing condition exclusion applies: Any sickness, accident or condition that: is the subject of a medical consultation during the six months immediately before the policy commencement date, and leads directly or indirectly to death or disablement in the first six months immediately after the policy commencement date, wont be covered.

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There is no cover available for the Disability benefit or Involuntary Unemployment Benefit if you are working in a permanent part time, casual, contract or temporary capacity or you are self-employed for less than 10 hours per week.

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Existing ANZ Personal Loan accounts with an ANZ Loan Protection insurance discount will continue to have the 0.25% p.a. interest rate discount for the life of the insurance policy. The discount will end once the existing ANZ Loan Protection insurance policy ends. For more details on Loan Protection Insurance, please refer to ANZ Loan Protection Product Disclosure Statement and Policy.

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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 ANZ everyday accounts, please contact us on 1800 801 485 between 8am to 8pm (AEST) weekdays.

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Rates as at  and subject to change.

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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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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 Secured Car Loan

This comparison is for an ANZ Secured Car Loan with an amount financed of $30,000 and a term of 5 years.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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: )

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 Secured Car Loan

This special online only rate is only available to approved applicants who apply for an ANZ Secured Car Loan online. You may receive a different rate if you apply for an ANZ Secured Car Loan through other channels such as an ANZ branch or over the phone. Interest rates are subject to change.

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: )

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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This special online only rate is only available to approved applicants who apply for an ANZ Secured Car Loan online. You may receive a different rate if you apply for an ANZ Secured Car Loan through other channels such as an ANZ branch or over the phone. Interest rates are subject to change.

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