ANZ Personal Loans

Australia and New Zealand Banking Group Limited, commonly referred to as ANZ, offers several types of personal loans. This includes personal loans with fixed or variable rates. You can borrow between $5,000 and $50,000 for a personal loan. Interest rates for a fixed rate personal loan from 7.49% p.a., also from 7.49% p.a. for a variable rate personal loan. The personal loans come with fees, including an approval fee of $150 and a monthly administration fee of $10, charged at the end of each quarter.

Compare ANZ Personal Loans

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Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
ANZ Fixed Rate Personal Loan Fixed1 - 7 Years $5,000 - $50,000	Interest Rate (p.a.) 7.49% to 19.99%	Comp. Rate (p.a.) 8.18% to 20.58%	Application Fee $150	Monthly Fee $10	Monthly Repayment $947.71	More Info Compare	Special Offer: For a limited time, ANZ is waiving the $150 approval fee for new borrowers or existing borrowers increasing their personal loan. Applications must be made between 14 February and 14 May 2024. Other conditions apply.
ANZ Variable Rate Personal Loan Variable1 - 7 Years $5,000 - $50,000	Interest Rate (p.a.) 7.49% to 19.99%	Comp. Rate (p.a.) 8.18% to 20.58%	Application Fee $150	Monthly Fee $10	Monthly Repayment $947.71	More Info Compare	Special Offer: For a limited time, ANZ is waiving the $150 approval fee for new borrowers or existing borrowers increasing their personal loan. Applications must be made between 14 February and 14 May 2024. Other conditions apply.

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The different personal loans ANZ offer:

• ANZ Variable Rate Loan. If you need a loan to make a purchase, consolidate your debt or finance a new or used car, an ANZ Variable Rate Personal Loan is designed with you in mind. This loan allows you to enjoy the flexibility of making extra repayments according to your preferences and budget and you can also repay early. You can top up your funds if you find you need extra during your loan term and it has a redraw facility.
• ANZ Fixed Rate Loan. The Fixed Rate Loan comes with a constant interest rate for the entire period of the loan, offering the security that comes with knowing what your future repayments will be. You can manage your loan online and ANZ offers a fast turnaround with this loan – the funds can be in your account on the same day when you apply by midday Monday to Friday. You can use this loan to buy a new or used car.

Features and benefits of an ANZ personal loan

• Choice of fixed or variable interest rate. Depending on what best suits your budget, you can opt for a fixed or variable loan.
• Flexible repayment schedule. With an ANZ personal loan, you will be able to make repayments according to your schedule – weekly, fortnightly or monthly.
• Flexible loan terms. A personal loan from ANZ comes with the flexibility of choosing a term from 1 year to 7 years. This gives you the ability to choose how long you want to take to pay off your loan.
• Loan amount. You will be able to borrow $5,000 or more with an ANZ personal loan.

What other products does ANZ offer?

• Home loans. ANZ has an extensive range of convenient and uncomplicated home loans designed to help make buying a home easier.
• Bank accounts. ANZ has a wide range of bank accounts including transaction accounts, savings accounts and term deposits.
• Credit cards. ANZ offers Low Interest Rate, Rewards, Frequent Flyer and Platinum credit cards to customers.
• Other products. Some of the other products offered by ANZ include insurance, foreign exchange, investing and super.

How you can apply for a ANZ personal loan

If you want to apply for any personal loan offered by ANZ, click "Go to Site" to be safely redirected to the online application page. You will need to set aside about 20-30 minutes out of your day to complete the easy form.

• Be at least 18 years of age
• Be currently residing in Australia
• Have a regular income
• Have a good credit rating

To apply, make sure you have the following on hand:

• Income, expenses, assets and liabilities
• Your current employer's name and contact information
• Your previous employer's name and details if you've changed jobs in the last three years
• Your driver's licence or proof of ID
• If you bank with ANZ, your ANZ account number or Customer Registration Number

After you’ve submitted your application, you will receive a confirmation email. If your application is approved, you will receive a Letter of Offer before the funds are made available to you.

ANZ’s personal loans offer viable alternatives for borrowers in need of funds. Make sure to compare personal loan rates before deciding which loan is the right one for you.