This cashback offer is available for new loan applications of $10,000 or more. If approved, the cashback will be credited to your account within 120 days of the loan's drawdown. This offer is subject to ANZ's eligibility and credit assessment criteria. Terms and conditions and fees and charges apply.

ANZ Personal Loans
Borrow up to $50,000 unsecured with a fixed or variable rate personal loan. Interest rates vary between products, and fees apply.
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
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
This cashback offer is available for new loan applications of $10,000 or more. If approved, the cashback will be credited to your account within 120 days of the loan's drawdown. This offer is subject to ANZ's eligibility and credit assessment criteria. Terms and conditions and fees and charges apply.
- 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.
More guides on Finder
-
ANZ Standard Variable Home Loan
The ANZ Standard Variable Home Loan is a full feature loan with a 100% offset account, a maximum LVR of 90% and can be used for investment properties.
-
ANZ Simplicity PLUS Home Loan
The ANZ Simplicity PLUS Home Loan offers competitive rates and low fees. Compare and apply.
Ask an Expert
How can l get a 10000 loan for car repairs by using our house as collateral we own our house
Hi Stephen,
If you wish to use your house as collateral you would be looking at refinancing your overall home loan. It might be a good opportunity to refinance to a loan with a lower overall interest rate. Here’s a guide that might be useful:
https://www.finder.com.au/home-loans/refinancing-home-loans
Can I apply for top up my personal loan I already have with ANZ bank and it’s going to be paid off
Hi Simon,
We’re not licenced to provided personal financial advice, so your best bet is to contact ANZ about your specific situation for guidance.
In general, the ability to get a top-up depends on your financial situation (eg income, debts, expenses etc) and interest rates. As interest rates have increased so much over the last 12 months, that may impact your ability to gain loan approval for a top-up, but it’s worth talking to ANZ directly for personal advice.
Hope this helps!
Hi, I have a personal loan with another bank and I just want to know if I could transfer it to ANZ? I just started my new job and was out of employment for a while and had a difficult time making payments. The bank I am with weren’t understanding or helpful so I want to go to ANZ to pretty much start over with my loan. Is it possible?
Hi Liz,
Thanks for reaching out to Finder.
If you would like to apply for an ANZ personal loans, you may click on the loan that you prefer to see more details and check the eligibility criteria then you may click on the ‘Go to site’ button to submit an online application.
You can also have a look at our list personal loans for debt consolidation for helpful tips and compare your options for personal loans for debt consolidation. Debt consolidation allows you to combine all your loans into one. Essentially, it can give you a way to reduce your interest rates and fees, thereby giving you a way to get yourself out of debt.
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.
Hope this helps.
Best regards,
Rench
Hey there is it possible to get a loan for $25000 even if my employment is casual ??
Hi Sheldon,
ANZ considers casual employees for loans. You need to earn at least $15,000 p.a. and have been employed at your current work for six months. Keep in mind that $25,000 is quite a large loan, approval will depend on how much you’re earning to see if you’re able to service the loan.
Hope this helps,
Elizabeth
Hi I was wondering if a student starting his own business could get a loan ?
Hi Anais,
ANZ’s personal loans are designed to be used for personal use, but the bank does also offer a range of business loans. You’ll need to get in touch with one of its business specialists to discuss your eligibility. You can also find out more about how to apply for a business loan through our website.
Hope this helps,
Elizabeth