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Personal loans interest rates and fees

 

Personal Loans

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 (one-off payment)
Loan administration charge $10 per month, debited every three months until the loan is closed in ANZ systems.
Late Payment Fee $20

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 (one-off payment)
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)

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.

Overdrafts

ANZ Assured

rates and fees
Interest ratedisclaimer
Loan approval fee $0
Credit facility fee $0

ANZ Personal Overdraft

 

rates and fees
Interest ratedisclaimer
Loan approval fee  
Under $20,000: $100
$20,000-$49,999: $200
$50,000 and over: $500
Credit facility fee
(charged quarterly)		  
Less than $20,000: $200 p.a.
$20,000 or more: 1.7% of the limit p.a.

Important information

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 subject to change.

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This offer rate shown is inclusive of a discounted margin which is deducted from 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 2 December 2020. If a customer: applies or is approved for an ANZ Variable Rate Personal Loan after 2 December 2020, the standard variable interest rate, currently 15.99% p.a. (comparison rate 16.84% p.a.) as at  will apply. This interest rate is subject to change. This offer is available until 2 December 2020 only and may be withdrawn or changed at any time without notice. It 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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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 2 December 2020. If a customer: applies, is approved or draws down on an ANZ Fixed Rate Personal Loan after 2 December 2020, the standard fixed interest rate, currently 12.45% p.a. (comparison rate 13.32% p.a.) as at    will apply. This interest rate is subject to change. This offer is available until 2 December 2020 only and may be withdrawn or changed at any time without notice. It is not available in conjunction with any other offers, packages or promotions.

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The interest rate applicable as at  is  but is variable and may change.

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The interest rate applicable as at  is  but is variable and may change.

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