Know exactly where you stand with a set repayment plan and a competitive interest rate from the ANZ Fixed Rate Personal Loan.
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.
Things to consider about the ANZ Fixed Rate Personal Loan
With the ANZ Fixed Rate Personal Loan, the emphasis is on reliability. It 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.
|Product Name||ANZ Fixed Rate Personal Loan|
|Interest Rate (p.a.)||From 13.95% (fixed)|
|Comparison Rate (p.a.)||14.81%|
|Interest Rate Type||Fixed|
|Minimum Loan Term||1 year|
|Maximum Loan Term||7 years|
|Min Loan Amount||$5,000|
|Max. Loan Amount||$50,000|
|Monthly Service Fee||$10|
- Available to self-employed borrowers
- Repay the loan over years
- No security required
- $10 monthly fee
- Repayments can't be changed
Features of the ANZ Fixed Rate Personal Loan
- Interest rate. The interest rate for this loan is 13.95% p.a. interest for the life of the loan, with a 14.81% p.a. comparison rate.
- 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 year(s) and 7 year(s), depending on what works for you.
- Unsecured loan. You will not have to tie any assets to the loan as security.
Fees to consider
There is a loan approval fee of $150 which is charged when your loan is approved. A $10 monthly administration fee is also charged.
How to apply for the ANZ Fixed Rate Personal Loan
If the ANZ Fixed Rate Personal Loan meets all the requirements you have in a personal loan, read what ANZ needs from you and then click "Go to Site".
Are you eligible?
To meet the minimum eligibility criteria for this loan, you must:
- 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 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.