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Our lowest advertised* personal loan rates in 10 years

Fixed or variable interest rate, the choice is yours.

*Excludes interest rate offers made or which may be made available to existing ANZ customers only

Choose a loan

Choose a loan to suit your needs

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
OFFER

We’ve reduced our fixed interest rate to 10.50% p.a. Comparison rate 11.38% p.a.disclaimer Limited time offer. Eligibility criteria and terms and conditions applydisclaimer

ANZ Fixed Rate Loan

Learn moreApply now

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Reduced interest rate (eligibility criteria, terms and conditions apply)

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Comparison rate

View rates and fees

Compare ANZ Personal Loans

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
OFFER

We’ve reduced our variable interest rate to 12.99% p.a. Comparison rate 13.86% p.a.disclaimer Limited time offer. Eligibility criteria and terms and conditions applydisclaimer.   

ANZ Variable Rate Loan

Learn moreApply now

disclaimerdisclaimer

Reduced interest rate (eligibility criteria, terms and conditions apply)

disclaimer

Comparison rate

View rates and fees

Compare ANZ Personal Loans

Personal loans calculators

Your details

How much do you earn?

$/ year
$/ year
$/ year
$/ year

How much do you spend?

$/ monthRequired
$/ month
$/ month
$

The borrowing power shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual borrowing capacity may vary. To find out actual borrowing capacity, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by ANZ. It does not take into account your personal or financial circumstances.  To apply for an ANZ Personal Loan you must complete an application.  All applications are subject to ANZ’s credit assessment criteria. Terms, conditions, fees and charges apply. ANZ will not store the information provided in this calculator.

The borrowing calculator is based on ANZ Variable Rate Personal Loan, over a seven year term, with monthly repayments and our current standard variable rate:  (comparison rate: ). The interest rate applicable to ANZ Fixed Rate Personal Loan is currently  (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:
 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.

Loan amount

$
p.a.
p.a.

 

The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by ANZ. It does not take into account your personal or financial circumstances. To apply for an ANZ Personal Loan you must complete an application. All applications are subject to ANZ’s credit assessment criteria. Terms, conditions, fees and charges apply. ANZ will not store the information provided in this calculator. For more important information about the interest rates and repayment amounts shown in this calculator, see the ‘Important Information’ section at the bottom of this page.

For an ANZ Fixed or Variable rate Personal Loan, the repayment amount shown on this calculator includes the Loan Approval Fee of $150, interest and monthly Loan Administration Charge of $10.

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

Interest rates & fees

ANZ Fixed Rate Personal Loan

rates and fees

Reduced interest rate (eligibility criteria, and terms and conditions apply)disclaimer

Comparison ratedisclaimer

Loan amount

$5,000 - $50,000

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.

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

rates and fees

Reduced interest rate (eligibility criteria, and terms and conditions apply)disclaimer disclaimer

Comparison ratedisclaimer

Loan amount

$5,000 - $50,000

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.

Loan term

1 to 7 years

Late Payment Fee

$20

How to apply

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

Details to have handy

You'll need:

  • Details of your income, assets, expenses and financial commitments
  • 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.

What happens next

  1. Complete the application. We’ll email you confirming we've received your application. We may also ask you to provide documents to verify your financial details.
  2. If your loan is approved, you’ll receive a letter of offer to review.  
  3. If you accept our offer, we’ll put the money in your account. New to ANZ? We'll ask you to contact us to verify your identity first.

Apply now

It takes about ten minutes to apply

ANZ Fixed Rate Loan

Learn more Apply now

ANZ Variable Rate Loan 

Learn moreApply now

Get in touch with us

Speak to a Loan Specialist

Available Mon-Fri 8.00am to 8.00pm (AEST)

Call 1800 339 410

General Personal Loan Enquiries

Available Mon-Fri 8.00am to 8.00pm (AEST)

Call 1800 801 485

Visit a branch

Locate an ANZ branch near you.

Locate us

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

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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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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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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 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.  

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Interest 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.

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