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ANZ Personal Loans

ANZ has been offering quality financial products and services to Australians for close to two centuries, so why not consider ANZ for your next personal loan?

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If you're struggling to repay your personal loan, you can get in touch with the bank directly or read our guide.

Australia and New Zealand Banking Group Limited, commonly referred to as ANZ, offers an extensive array of banking and financial products and services to individuals and various types of organisations. Founded in 1835, the bank aims to provide customers with products and services that meet their needs.

Two personal loans ANZ offer:

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
ANZ Fixed Rate Personal Loan
10.50% (fixed)
1 to 7 years
You'll receive a fixed rate of 10.50% p.a. ( comparison rate 11.38% 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. Note: These rates are available until 2 December 2020. Credit, eligibility criteria and terms & conditions apply.
ANZ Variable Rate Personal Loan
12.99% (variable)
1 to 7 years
You'll receive a variable rate of 12.99% p.a. ( comparison rate 13.86% p.a. )
A flexible loan with amounts starting $5,000 that offers flexible repayments and a redraw facility. Note: These rates are available until 2 December 2020. Credit, eligibility criteria and terms & conditions apply.

Compare up to 4 providers

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.
  • ANZ Overdraft. ANZ offers two overdraft products that can be attached to your personal transaction accounts. If you'd like a personal line of credit that's conveniently attached to your account, and that you only pay interest on what you use, these accounts may be ones to consider.

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 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.

ANZ Personal Loan rates and fees:

  • Please note these rates are available until 2 December 2020. Credit, eligibility criteria and terms & conditions apply.
  • ANZ Fixed Rate Personal Loan:

    10.50% p.a. interest rate. Apply for up to $50,000 to use for a variety of purposes without needing to add security.

  • ANZ Variable Rate Personal Loan:

    12.99% p.a. interest rate. A flexible loan with amounts starting $5,000 that offers flexible repayments and a redraw facility.

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.

To be eligible for an ANZ personal loan you have to:

  • 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 Breakfree Home Loan Package Fixed

    Achieve greater financial manageability with all of your accounts linked together into one package that also includes a fixed rate home loan.

  • ANZ Breakfree Home Loan Package Review

    The ANZ Breakfree Package waives a range of fees on your home loan and other ANZ products in exchange for charging an annual fee. Here's what you should know first.

  • 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 Equity Manager Home Loan

    With the ANZ Equity Manager you can put the equity in your home to work with a line of credit home loan.

  • ANZ Simplicity PLUS Home Loan

    The ANZ Simplicity PLUS Home Loan offers competitive rates and low fees. Compare and apply.

  • ANZ Fixed Rate Home Loan Review

    Find out more about whether the ANZ fixed home loan features can benefit you and make your home ownership dreams a reality.

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.

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.

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.

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.

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14 Responses

  1. Default Gravatar
    LizNovember 8, 2017

    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?

    • Avatarfinder Customer Care
      RenchNovember 8, 2017Staff

      Hi Liz,

      Thanks for reaching out to us. Please note that we are not affiliated with ANZ or any company we feature on our site and so we can only offer you general advice.

      If you are referring to 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 this page 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.

      Hope this helps.

      Best regards,

  2. Default Gravatar
    sheldonSeptember 16, 2016

    Hey there is it possible to get a loan for $25000 even if my employment is casual ??

    • Avatarfinder Customer Care
      ElizabethSeptember 16, 2016Staff

      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,


  3. Default Gravatar
    AnaisAugust 18, 2016

    Hi I was wondering if a student starting his own business could get a loan ?

    • Avatarfinder Customer Care
      ElizabethAugust 18, 2016Staff

      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 or a business loan on this page.

      Hope this helps,


  4. Default Gravatar
    ScottMarch 19, 2016

    Hi can you get a unsecured personal loan for $15000 if you are 67 years old and on old aged pension benefits

    • Avatarfinder Customer Care
      ElizabethMarch 21, 2016Staff

      Hi Scott,

      ANZ do consider retired applicants for a personal loan as long as you can show evidence of your income. Your financial circumstances, that is your income, assets, debts and liabilities, will be taken into account when determining the amount you will be approved for.

      I hope this information has helped.



  5. Default Gravatar
    mattFebruary 25, 2016

    how soon is a letter of offer sent, is it emailed or posted

    • Avatarfinder Customer Care
      ElizabethFebruary 26, 2016Staff

      Hi Matt,

      ANZ don’t provide a time period where you can expect your letter of offer, but you may expect it within about ten business days, but usually less. Your letter of offer will be posted.

      I hope this information has helped,


  6. Default Gravatar
    AngelApril 4, 2015

    I applied for 10,000 personal loan last February 2, 2015, then after 2 months April 2, 2015 I repay my loan. The total amount that I paid was $10,758.78. Do you think I paid too much?

    • Avatarfinder Customer Care
      ElizabethApril 7, 2015Staff

      Hi Angel,

      Thanks for your question.

      This depends entirely on the type of loan you took out (fixed or variable rate, and what interest rate was applied, the fees you paid, etc.) However, based on ANZ’s current loan offerings the amount you paid doesn’t sound too much. It might be a good idea to take a look at your loan contract and see what fees/charges were laid out in it, and you can also get in contact with ANZ to discuss your loan and the amount you paid.

      I hope this has helped.



  7. Default Gravatar
    elizabethSeptember 18, 2014

    Hi im just looking around to see where i can get a decent loan as i am on centrelink on the single parenting payment receiving 1200 a fortnight and in 2 months time it will go up by $200 or $300 as i am having another baby very soon.

    • Avatarfinder Customer Care
      ShirleySeptember 19, 2014Staff

      Hi Elizabeth,

      Thanks for your question.

      Please see this page for a list of lender that may be able to help. I’d recommend that you get in touch with a few of them just to discuss your options and eligibility.

      All the best,

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