download the finder app! App

ANZ Fixed Rate Personal Loan

Know exactly where you stand with a competitive interest rate from the ANZ Fixed Rate Personal Loan.

  • Special Offer: Get a $500 cashback if you apply for a loan of $10,000 or more before 28 February 2022. Secure a reduced rate of 8.99% p.a. if your loan is approved and drawn down by this same date. T&Cs apply.

The ANZ Fixed Rate Personal Loan offers peace of mind in the form of consistency and availability. Know exactly how much to budget each month and protect yourself when interest rates start to rise again. Suitable for a range of purposes including buying a new or used car, the ANZ Fixed Rate Personal Loan can cover your next big purchase.

Avatar
Matt Corke
Last Updated

8.99% (fixed)

Interest Rate (p.a.)

9.88%

Comparison Rate (p.a.)

$5,000

Min Loan Amount

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Details

Product NameANZ Fixed Rate Personal Loan
Interest Rate (p.a.)8.99% (fixed)
Comparison Rate (p.a.)9.88%
Interest Rate TypeFixed
Min Loan Amount$5,000
Max. Loan Amount$50,000
Loan SecurityUnsecured

Main points to consider about the ANZ Fixed Rate Personal Loan

The ANZ Fixed Rate Personal Loan, is an unsecured personal loan so you won't have to use any assets as collateral and you will know exactly what to expect each payment period. While this is great for budgeting purposes, be aware that fees and charges apply when you make additional payments or decide to exit early from the plan.

If you are seeking more flexibility in repayments and redraw facilities, ANZ also offers a variable rate personal loan.

Features of the ANZ Fixed Rate Personal Loan

  • Special offer. Customers who apply for a loan of $10,000 or more will be eligible for a $500 cashback offer if they apply before 28 February 2022. Having your loan approved and drawn down by this date will also secure you the reduced rate of 8.99% p.a. T&Cs apply.
  • Interest rate. The interest rate for this loan is 8.99% p.a. interest for the life of the loan, with a 9.88% p.a. comparison rate. Credit, eligibility criteria and terms and conditions apply.
  • Loan amount. The minimum amount that can be borrowed with the ANZ Fixed Rate Personal Loan is $5,000 and the maximum amount that can be borrowed is $50,000.
  • Loan term. The length of the loan can vary between 1 to 7 years, depending on what works for you.
  • Unsecured loan. You will not have to tie any assets to the loan as security.

Fees and charges

  • Approval fee. You will pay an initial $150 fee.
  • Administration fee. There is also a $10 monthly fee.
  • Late payment fee. You'll be charged $20.
  • Early repayment fee. This will also apply if you pay off your loan before the end of your loan term.

How to apply for the ANZ Fixed Rate Personal Loan

You can start your application by clicking "Go to Site" above. You will need to meet the following eligibility requirements to be eligible for a loan:

  • Be at least 18 years of age
  • Currently reside in Australia. Temporary residents may still be eligible to apply but will have to meet specific visa and income verification requirements.
  • Have a regular income
  • Have a good credit rating
  • Be looking to borrow at least $5,000

Documents you will need to provide

  • Current driver's licence
  • Current and previous employer's address
  • Details of your income, assets, expenses and liabilities. If you are self-employed, you will need to provide your last two tax returns and your accountant's details
  • Your ANZ account number if you are a customer

Within 60 seconds of completing your online application, you will find out if you have been approved. Confirmation will be sent to your email address and you may be asked for further information. Loans can generally be finalised within 24-48 hours.

Make sure you compare the loans available when looking to commit to a personal loan. As one of Australia's leading banks, ANZ offers this competitive option for a fixed rate personal loan. Apply now to secure yours.

Personal Loan Offers

Important Information*
Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 5.35% p.a. and based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3 or 5 years terms.

More info
Logo for ANZ Fixed Rate Personal Loan
ANZ Fixed Rate Personal Loan

You'll receive a fixed rate of 8.99% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

More info
Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 years to 7 years loan terms available. This loan comes with no fees for extra repayments and no early exit fees.

More info
Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 5.95% p.a. and 19.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

More info

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

20 Comments

    Default Gravatar
    Jacinta
    September 21, 2018

    Can I borrow $25000 personal loan over 3.5 years on a $23,000 annual income paid weekly? I want to pay off outstanding debts and book a holiday.

    Reply
      Avatarfinder Customer Care
      Jhez
      September 24, 2018

      Hello Jacinta,

      Thank you for your comment.

      As long as you meet the eligibility criteria and requirements (which are outlined above) for the ANZ Fixed Rate Personal Loan, you may submit an application for the loan. Since the Go to Site button above isn’t live yet, you may directly visit ANZ’s website to apply.

      Regarding the amount, please note that ANZ will have to assess your application first and they will decide if you’ll be approved for the amount you mentioned. Please make sure that you’ve read the relevant T&Cs or PDS of the loan product before making a decision and consider whether the product is right for you.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

      Reply
    Default Gravatar
    Tom
    October 30, 2017

    I have a mark against my name for a phone bill when i was in hospital. It was paid as soon as i was made aware of it. I was told i had no mark or would not get one if it was paid. I was lied to and ended up with it. Will that prevent me getting a loan? My credit score is 580

    Reply
      Avatarfinder Customer Care
      Judith
      October 31, 2017

      Hi Tom,

      Thanks for contacting Finder.

      It would be difficult to get approved for a credit if you have a poor credit score but it is not impossible. In most cases, creditors require good to excellent credit. There are quite a few that will accept applications from people with bad credit however this can cost higher interest rates and poorer terms. Thus, it is advisable to improve your credit before you borrow.

      If you’d like to apply now, you may refer to our list of bad credit personal loans or providers of unsecured bad credit loans. Both pages has a comparison table you can use to see which lender suits you.

      You can click the name of the lender or the “More info” link to be redirected to our review page and learn more about the lender’s loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      I hope this helps.

      Best regards,
      Judith

      Reply
    Default Gravatar
    Jade
    June 8, 2017

    Hi there,

    Just hoping to gain insight into ALL of the prerequisites required when applying for a loan. I know some banks require you to be in your current job for 90 days – is ANZ one of the banks that do?

    It’s all a little vague online so was hoping you may be able to assist.

    Many thanks!

    Reply
      Default Gravatar
      Arnold
      June 8, 2017

      Hi Jade,

      Thanks for your inquiry.

      To Be Eligible you need to:
      -Be at least 18 years old
      -Earn a minimum of $15,000 per annum
      -Be an Australian citizen, permanent resident or have a valid visa

      Details to have handy
      -Income, employment, and financial commitment details ( So maybe they require you to be in your current job)
      Driver’s license (if you have one)
      Your ANZ account number or Customer Registration Number (if you have one)

      Hope this information helped.

      Cheers,
      Arnold

      Reply
    Default Gravatar
    Karan
    April 19, 2017

    Hi I am an ANZ customer with home loan many accounts and credit card I wish to pay off credit cards and some other loans but am a single parent with two dependants. What loan would be best

    Reply
      Avatarfinder Customer Care
      May
      April 19, 2017

      Hi Karan,

      Thanks for reaching out.

      If you wish to consolidate your debts with ANZ, please review the criteria and if you think you meet them, please head over to ANZ’s website and submit your application there.

      Meantime, if you also like to check your other options, you may read the guide on debt consolidation and contact the lender directly to discuss your options and eligibility.

      Cheers,
      May

      Reply
    Default Gravatar
    Zaeem
    March 21, 2017

    If I pay my loan early, then how much penalty would be charged

    Reply
      Avatarfinder Customer Care
      May
      March 21, 2017

      Hi Zaeem,

      Thank you for your inquiry.

      If you pay off some or all of your loan early, you will incur $300 Early Repayment Administration Fee. You may also be charged early repayment costs. You can find out more on how an early repayment cost is calculated on ANZ’s official site. Please click the “Go to site” button above to be redirected to their site.

      Cheers,
      May

      Reply
Go to site