We’ve reduced our interest rates on Personal Loans*
Fixed or variable interest rate, the choice is yours.
*Limited time offer on new applications.
Ready to apply for a personal loan?
I want stability
You could consider an ANZ Fixed Rate Loan
- Certainty that your repayments won’t change
- Control over your budget
- Same day cash in your ANZ everyday account if approved in branch by midday Mon-Fridisclaimer
We’ve reduced our fixed interest rate to Comparison rate disclaimer Limited time offer. Eligibility criteria and terms and conditions applydisclaimer.
ANZ Fixed Rate Loan
| Reduced interest rate (eligibility criteria, terms and conditions apply) | Comparison rate |
I prefer flexibility
You could consider an ANZ Variable Rate Loan
- No exit fees if you pay your loan off early
- Flexibility to increase your loan amount
- Same day cash in your ANZ everyday account if approved in branch by midday Mon-Fri disclaimer
We’ve reduced our variable interest rate to Comparison rate disclaimer Limited time offer. Eligibility criteria and terms and conditions applydisclaimer.
ANZ Variable Rate Loan
| Reduced interest rate (eligibility criteria, terms and conditions apply) | Comparison rate |
Stress less about debts
Having multiple debts can be a little stressful at times. You might find yourself juggling several repayments coming out of your account at different times.
Rolling your existing debts into one easy to manage ANZ Personal Loan could help you feel a little more on top of things.
You can also use an ANZ Personal Loan for:
- Buying a new or used car
- Renovations and home improvement
- Travel and holidays
- Weddings and other occasions
Frequently Asked Questions
ANZ Fixed Rate Personal Loan
Reduced interest rate (eligibility criteria, and terms and conditions apply)disclaimer |
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Comparison ratedisclaimer |
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Loan amount | $5,000 - $50,000 |
Loan approval fee | $150 |
Loan administration charge | $10 per month, debited every three months until the loan is closed in ANZ systems. |
Loan term | 1 to 7 years |
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) |
ANZ Variable Rate Personal Loan
Reduced interest rate (eligibility criteria, and terms and conditions apply)disclaimer disclaimer |
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Comparison ratedisclaimer |
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Loan amount | $5,000 - $50,000 |
Loan approval fee | $150 |
Loan administration charge | $10 per month, debited every three months until the loan is closed in ANZ systems. |
Loan term | 1 to 7 years |
Late Payment Fee | $20 |
Check you’re eligible
You must:
- Be at least 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 applicant. Joint applicants can apply at any ANZ branch
What you'll need
- 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
How to apply
Apply in the way that suits you best. If you’re short on time or need a little help we have a number of flexible application options for you to choose from.
Need a bit more information first?
If you want to know a bit more before you take those next steps, here’s some information that may be helpful.
Get started online and we’ll call you back
If you’re unsure of the type of loan you need, or want some help on your loan application, simply fill out a few basic details online to get your application started.
- Once we receive your details, we’ll call you back within 1-2 business days
- We’ll help you work out the right personal loan for you and assist you to progress your application
- Financial details and supporting documents can be supplied at a later stage
- A credit check will not be conducted until we have spoken with you
It only takes around 5 minutes
Complete your full application online
If you know what you’re after and you’re comfortable with completing the application yourself, you can submit your entire personal loan application online. You’ll need to set aside a bit more time, and have the below information ready.
- Details of your income, expenses (bills and other financial commitments), assets and liabilities (debts you owe)
- 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
We have two personal loans to choose from:
ANZ Fixed Rate Loan
| Reduced interest rate (eligibility criteria, | Comparison rate |
ANZ Variable Rate Loan
| Reduced interest rate (eligibility criteria, | Comparison rate |
If you need some help with your application, don’t meet our eligibility criteria or have another general loan enquiry, give us a call.
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.
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.
ReturnComparison rate
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: )
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: 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.
ReturnInterest rate
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: )
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: 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.
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 8pm (AEST) weekdays.
ReturnThis 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.
This offer interest rate shown is inclusive of a discount on the ANZ Personal Lending Index Rate (which is subject to change). This offer will only be available to customers who apply for an ANZ Fixed Rate Personal Loan, are approved, and draw down on their ANZ Fixed Rate Personal Loan before 4 June 2022. This interest rate is subject to change. This interest rate offer may be withdrawn or changed at any time without notice.
ReturnRates as at and are subject to change without notice.
ReturnThis offer interest rate shown is inclusive of a discount on 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 before 4 June 2022. This interest rate is subject to change. This interest rate offer may be withdrawn or changed at any time without notice.
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