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ANZ

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.

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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 several types of personal loans. This includes personal loans with fixed or variable rates, and personal overdrafts. You can borrow between $5,000 and $50,000 for a personal loan, and a minimum of for the personal overdraft. Interest rates for a fixed rate personal loan is 8.99% p.a., with 10.50% p.a. for a variable rate personal loan and for the overdraft. The personal loans come with fees, including an approval fee of $150 and a monthly administration fee of $10. Approval fees for overdrafts will depend on the credit limit. The approval fee for loans under $20,000 is $100, but can be as high as $500 if your credit limit is above $50,000. There is also a credit facility fee for overdrafts, starting from $200 p.a. for less than $20,000, and 1.7% of the limit for loans over $20,000.

ANZ Fixed Rate Personal Loan

ANZ Fixed Rate Personal Loan

8.99 % p.a.

fixed rate

9.88 % p.a.

comparison rate

  • Low ongoing fees
  • Flexible repayment options
  • Borrow up to $50,000
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ANZ Fixed Rate Personal Loan

This competitive unsecured fixed rate personal loan from ANZ is suitable for a range of uses. Apply for up to $50,000.

  • Interest rate: 8.99% p.a.
  • Comparison rate: 9.88% p.a.
  • Interest rate type: Fixed
  • Application fee: $150
  • Minimum loan amount: $5,000
  • Maximum loan amount: $50,000
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Two personal loans ANZ offer:

Data 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
ANZ Fixed Rate Personal Loan
8.99% (fixed)
9.88%
$5,000
1 to 7 years
$150
$10
You'll receive a guaranteed rate of 8.99% p.a. with a comparison rate of 9.88% p.a. if you're approved.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

⭐Special Offer: A $500 cashback offer available for loans of $10,000 or more that been applied for before 28 February 2022. Loans approved and drawn down by this date are also eligible for the reduced rate of 8.99% p.a.
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ANZ Variable Rate Personal Loan
ANZ Variable Rate Personal Loan
10.50% (variable)
11.38%
$5,000
1 to 7 years
$150
$10
You'll receive a guaranteed rate of 10.50% p.a. with a comparison rate of 11.38% p.a. if you're approved. Note: This rate may vary during the loan term.
A flexible loan with amounts starting $5,000 that offers flexible repayments and a redraw facility.

⭐Special Offer: A $500 cashback offer available for loans of $10,000 or more that been applied for before 28 February 2022. Loans approved and drawn down by this date are also eligible for the reduced rate of 10.50% p.a.
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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 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.

ANZ Personal Loan rates and fees:

ANZ Fixed Rate Personal Loan

8.99% 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

10.5% 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.

  • 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 Simplicity PLUS Home Loan

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

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

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14 Responses

    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?

    Reply
      Avatarfinder Customer Care
      RenchNovember 8, 2017Staff

      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

      Reply
    Default Gravatar
    sheldonSeptember 16, 2016

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

    Reply
      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,

      Elizabeth

      Reply
    Default Gravatar
    AnaisAugust 18, 2016

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

    Reply
      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 for a business loan through our website.

      Hope this helps,

      Elizabeth

      Reply
    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

    Reply
      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.

      Thanks,

      Elizabeth

      Reply
    Default Gravatar
    mattFebruary 25, 2016

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

    Reply
      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,

      Elizabeth

      Reply
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