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ANZ Fixed Rate Personal Loan

Matt Corke
Matt Corke
Last updated:  

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

  • Please note these rates are available until 2 December 2020. Credit, eligibility criteria and terms and conditions 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.

10.50% (fixed)

Interest Rate (p.a.)

11.38%

Comparison Rate (p.a.)

$5,000

Min Loan Amount

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder .

Details

Product NameANZ Fixed Rate Personal Loan
Interest Rate (p.a.)10.50% (fixed)
Comparison Rate (p.a.)11.38%
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

  • Interest rate. The interest rate for this loan is 10.50% p.a. interest for the life of the loan, with a 11.38% p.a. comparison rate. These rates are available until 2 December 2020. 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.

Compare other personal loans

Data indicated here is updated regularly
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

From 6.99% (fixed)
7.79%
$2,000
3 to 5 years
$575 ($275 for loans of below $5,000)
$0
You'll receive a fixed rate between 6.99% p.a. and 25.69% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 year terms.
Go to site
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Plenti Fixed Rate Personal Loan
Plenti Fixed Rate Personal Loan

From 6.49% (fixed)
6.84%
$2,001
3 to 5 years
From $149 to $599
$0
You'll receive a fixed rate between 6.49% p.a. and 11.99% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 3 years. Interest and comparison rates calculated for a loan term of 5 years.
Go to site
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OurMoneyMarket Personal Loan
OurMoneyMarket Personal Loan

From 6.75% (fixed)
6.96%
$2,001
1 to 7 years
1.5–6% of your total loan amount
$0
You'll receive a fixed rate from 6.75% p.a. to 20.99% p.a. based on your risk profile
A personalised loan from $2,001 to $75,000 that varies based on your credit history and financial situation.
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Alex Personal Loan
Alex Personal Loan

From 6.95% (fixed)
6.95%
$2,100
6 months to 5 years
$0 (waived $295)
$0
You'll receive a fixed interest rate from 6.95% p.a. to 19.99% p.a. based on your risk profile
Borrow between $2,100 and $30,000 from 6 months to 5 years. Benefit from no ongoing fees. Note: The establishment fee of $295 is waived for all applications until 31 October 2020. Terms & conditions apply.
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SocietyOne Unsecured Personal Loan (5 years)
SocietyOne Unsecured Personal Loan (5 years)

From 7.99% (fixed)
7.99%
$5,000
5 years
from 0% to 5% (capped at $995)
$0
You'll receive a fixed rate between 7.99% p.a. and 20.49% 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.
Go to site
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SocietyOne Unsecured Personal Loan (2-3 years)
SocietyOne Unsecured Personal Loan (2-3 years)

From 6.99% (fixed)
6.99%
$5,000
2 to 3 years
from 0% to 5% (capped at $995)
$0
You'll receive a fixed rate between 6.99% p.a. and 17.99% 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.
Go to site
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Plenti Variable Rate Personal Loan
Plenti Variable Rate Personal Loan

From 5.79% (variable)
6.78%
$2,001
1 to 3 years
From $149 to $599
$0
You'll receive a variable rate from 5.79% p.a and 11.99% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 12 months. Benefit from transparent costs and a rate estimate before you apply.
Go to site
More Info
NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

From 9.99% (fixed)
10.88%
$5,000
1 to 7 years
$150
$10
You'll receive a fixed rate between 9.99% p.a. and 18.99% p.a. ( 10.88% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.
Go to site
More Info
Symple Loans Personal Loan
Symple Loans Personal Loan

From 5.75% (variable)
6.47%
$5,000
1 to 7 years
from 0% to 5% of the loan amount
$10
You'll receive a personalised interest rate from 5.75% p.a. to 21.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
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Wisr Personal Loan
Wisr Personal Loan

From 7.95% (fixed)
8.78%
$5,000
3 to 5 years
$595 (Establishment Fee)
$0
You'll receive a fixed rate between 7.95% p.a. and 19.45% p.a. based on your risk profile
A loan from $5,000 that charges no fees for extra or early repayments. Keep in mind security is required in some cases.
Go to site
More Info
Heritage Bank Fixed Personal Loan
Heritage Bank Fixed Personal Loan
7.99% (fixed)
8.62%
$5,000
1 to 5 years
$200
$5
Choose a fixed rate loan and receive a comparison rate of 8.62% p.a.
Fixed rate loans are available up to $100,000 on terms from 1 to 5 years.
Go to site
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CUA Unsecured Fixed Rate Personal Loan
CUA Unsecured Fixed Rate Personal Loan
9.89% (fixed)
10.14%
$5,000
1 to 7 years
$175
$0
You'll receive a fixed rate of 9.89% p.a.
An unsecured loan from $5,000 with flexible repayments and no monthly fee.
Go to site
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Latitude Personal Loan (Unsecured)
Latitude Personal Loan (Unsecured)

From 7.99% (fixed)
9.24%
$3,000
1 to 7 years
$250 (Loans under $5000 - $140)
$13
You'll receive a fixed rate between 7.99% p.a. and 19.99% p.a. based on your risk profile
Apply for what you need from $3,000 and use it for a range of purposes. Repay weekly, fortnightly or monthly.
Go to site
More Info
NAB Personal Loan Unsecured Variable Rate
NAB Personal Loan Unsecured Variable Rate

From 9.99% (variable)
10.88%
$5,000
1 to 7 years
$150
$10
You'll receive a variable rate between 9.99% p.a. and 18.99% p.a. ( 10.88% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes. Benefit from fee-free additional repayments and a redraw facility. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.
Go to site
More Info
CUA Unsecured Variable Personal Loan
CUA Unsecured Variable Personal Loan
11.89% (variable)
12.15%
$5,000
1 to 7 years
$175
$0
You'll receive a variable rate of 11.89% p.a.
Borrow from $5,000 with the option for flexible repayments and no monthly fees.
Go to site
More Info
Heritage Bank Standard Variable Personal Loan
Heritage Bank Standard Variable Personal Loan
11.99% (variable)
12.61%
$5,000
1 to 10 years
$200
$5
Choose a variable rate loan and receive a 12.61% p.a. comparison rate
Variable rate loans are available from $5,000 - $100,000 on terms of 1 to 10 years.
Go to site
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Compare up to 4 providers

Personal Loan Offers

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

You'll receive a fixed rate between 6.99% p.a. and 25.69% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.

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

You'll receive a fixed rate between 9.99% p.a. and 18.99% p.a. ( 10.88% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.

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

You'll receive a fixed rate between 6.99% p.a. and 20.49% 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
Logo for Pepper Money Unsecured Fixed Rate Personal Loan
Pepper Money Unsecured Fixed Rate Personal Loan

You'll receive a fixed rate between 6.95% p.a. and 17.95% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Make additional repayments or pay off the loan early, penalty-free.

More info

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20 Comments

  1. 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
  2. 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, a comparison website and general information service. I hope you are doing fine today.

      It doesn’t mean that you’re not eligible to apply for a loan. You may check this page for a list of loan options for you.

      You may also check this link for a list of unsecured loan options.

      To improve your chances of getting approved for a loan, please ensure that you meet the eligibility criteria and requirements of the loan option or lender and make sure to read the details, as well as the relevant Product Disclosure Statements / Terms & Conditions of the loan option before making a decision and consider whether the product or option is right for you.

      I hope this helps.

      Best regards,
      Judith

      Reply
  3. 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
  4. 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 click on the “Go to site” button above to 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 this page and contact the lender directly to discuss your options and eligibility.

      Cheers,
      May

      Reply
  5. 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
  6. Default Gravatar
    Mo
    December 15, 2016

    Where can I find the interest of the fixed rate personal loan monthly?

    Reply
    • Avatarfinder Customer Care
      Jason
      December 16, 2016

      Hi Mo,

      Thank you for your enquiry.

      The interest rate of ANZ fixed rate personal loan is 13.95% p.a., with a 14.81% p.a. comparison rate, for the life of the loan.

      You may also check out this link for a comparison of fixed rate personal loans offered by different lenders or banks.

      Kind regards,
      Jason

      Reply
  7. Default Gravatar
    Julie
    July 3, 2016

    I currently have a loan with anz.
    I have credit cards that with other companies.
    I am asking about a debt consolidation loan so I can
    Just pay one payment and one Interest rate.
    Could I have some advice please.

    Reply
    • Avatarfinder Customer Care
      Elizabeth
      July 4, 2016

      Hi Julie,

      You can apply to “top up” your personal loan in order to consolidate your debt. However, as this is considered a new personal loan application breakage fees and early repayment costs will apply. You can contact ANZ directly to discuss your eligibility.

      I hope this helps,

      Elizabeth

      Reply
  8. Default Gravatar
    Lech
    October 30, 2015

    Hi,
    I am an Australian citizen but work overseas, therefore I don’t lodge tax return in Australia or pay tax here.
    Am I eligible for a CAR LOAN in Australia?
    (The car will be used by my wife who resides in Australia)

    Reply
    • Avatarfinder Customer Care
      Elizabeth
      November 3, 2015

      Hi Lech,

      You need to be a current Australian resident to apply for this loan, as this is a special case ANZ may not approve you if you do not spend the majority of your time in Australia and have a permanent address outside of Australia. When you fill out your online application you will need to list an Australian address as your place of residence. You may need to get in touch with ANZ to confirm this – I’ve emailed you their overseas contact number and contact information page.

      I hope this will help.

      Thanks,

      Elizabeth

      Reply
  9. Default Gravatar
    raju
    March 13, 2015

    Hi there ..I am a anz customer and i have a credit card with you , due to some unexpected circumstances my credit card is maxed out but i am paying my minimums payments every week n month as i have higher interest rate in the credit i was thinking if i could apply for some personal loan as i am back to work and work full time ..just wondering if i apply for what are the chances of getting approve

    Reply
    • Avatarfinder Customer Care
      Matt
      March 13, 2015

      Hi Raju,

      Thanks for your comment. You’ve actually come through to finder.com.au and not ANZ. If you’d like to get in touch with ANZ about your issue please use the links above to go to their site and enquire directly with them

      Cheers.
      Matt

      Reply
  10. Default Gravatar
    Marvin
    December 15, 2014

    Hi,

    I’m interested in getting a personal loan and wanted to know the requirements for the temporary resident. my visa will get expired at the end of the year but i’m applying for the permanent residency on March next year.

    Regards,
    Marvin

    Reply
    • Avatarfinder Customer Care
      Shirley
      December 15, 2014

      Hi Marvin,

      Thanks for your question.

      If you are not a permanent Australian resident, you may still be eligible to apply but will be required to meet specific visa and income verification requirements. ANZ recommends that you visit them in a branch or call them directly to discuss your application.

      Cheers,
      Shirley

      Reply
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