Personal loans interest rates and fees
ANZ Variable Rate Personal Loan
| Interest ratedisclaimer | from * |
| Comparison ratedisclaimer |
*Important: The interest rate applicable to your variable rate personal loan, if approved, will be between and 17.69% p.a. depending on a number of factors, including the information you provide us and our assessment of your application. If approved, we will confirm your actual interest rate in your letter of offer.
ANZ Fixed Rate Personal Loan
| Interest ratedisclaimer | from * |
| Comparison ratedisclaimer |
*Important: The interest rate applicable to your fixed rate personal loan, if approved, will be between and 16.95% p.a. depending on a number of factors, including the information you provide us and our assessment of your application. If approved, we will confirm your actual interest rate in your letter of offer.
ANZ Secured Car Loan
| Interest ratedisclaimer | (special online-only rate) |
| Comparison ratedisclaimer |
ANZ Variable Rate Personal Loan
Loan approval fee
$150 (one-off payment)
Loan administration charge
$10 per month, charged at the end of each quarter
$20
ANZ Fixed Rate Personal Loan
Loan approval fee
$150 (one-off payment)
Loan administration charge
$10 per month, charged at the end of each quarter
$20
If you pay off some or all of your loan early
$300 Early Repayment Administration Fee. You may also incur early repayment costs. To find out more on how an early repayment cost is calculated, please see the ANZ Consumer Lending Terms and Conditions (PDF 456kB).
ANZ Secured Car Loan
Establishment fee
$350 (one-off payment)
Loan administration charge
$5 a month (pro-rated for fortnightly repayments)
$20
If you pay off some or all of your loan early
Early termination fees (PDF 44kB) to be calculated
Additional fees and charges
Administrative Default Fee:
$104
(payable if an agent is appointed to collect any overdue debt)
You will need to pay Government fees and charges, such as stamping in New South Wales or the fee for registering our security interest over the vehicle.
What is a Late Payment Fee?
For ANZ Variable and Fixed Rate Personal Loans: this fee is charged for every month when all or part of the loan repayment hasn’t been paid for five days or more. It’s also charged every subsequent 30 days that repayments are overdue.
For ANZ Secured Car Loan: a Late Payment Fee is payable when payment is not received within 7 business days of the due date.
ANZ Assured
| Interest ratedisclaimer | |
| Loan approval fee | $0 |
| Credit facility fee | $60 a year, charged monthlydisclaimer |
ANZ Personal Overdraft
| Interest ratedisclaimer |
Loan approval fee
| Under $20,000: | $100 |
| $20,000-$49,999: | $200 |
| $50,000 and over: | $500 |
Credit facility fee
| Less than $20,000: | $50 - $100 |
| $20,000 or more: | 1.7% - 2.6% of the limit p.a. |
All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply.
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Rates as at and subject to change.
Back to topThis 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 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.
The 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.
Back to topThis comparison rate 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.
Back to topThe interest rate applicable as at is but is variable and may change.
Back to topThis fee is payable monthly. It is calculated by dividing the annual credit facility fee of $60 by 366, then multiplying that figure by the number of days that facility is on effect for that month.
Back to topThe interest rate applicable as at is but is variable and may change.
Back to top