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Can I increase my personal loan amount or term?

If your financial circumstances have changed, or if you just need to borrow more money for another reason, you may be able to increase your loan amount, increase your loan term, or consider a redraw. 

Increase your loan amount

If you need a bit extra, you can apply to increase your existing ANZ Variable Rate Personal Loan. You can do this easily by completing an online application, at a branch or by calling us on 1800 801 485. If you apply in branch and are approved before midday Mon to Fri (AEST), you could have your money in your ANZ everyday account the same daydisclaimer. Plus, if approved, you’ll continue to have one loan amount and one repayment schedule. Please note a Loan Approval Fee may apply.

We regret that application via Internet Banking will be unavailable from 19 January 2019 onwards. We will update this section when it is available again.

If you want to increase your loan amount with an ANZ Fixed Rate Personal Loan, breakage fees and early repayment costs will also apply.

Increase your loan term

Thinking of repaying your ANZ Variable Rate Personal Loan over a longer period? You can apply at a branch or by calling us on 1800 801 485.

If you want to increase your loan term with an ANZ Fixed Rate Personal Loan, fees will apply. 

Ahead on your repayments? Consider a redraw

If you have an ANZ Variable Rate Personal Loan and you’ve been making extra repayments, you could redraw the extra money easily and conveniently. With an ANZ Fixed Rate Personal Loan you will not be able to redraw extra repayments.

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.


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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