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?

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.

ANZ Fixed Rate Personal Loan

ANZ Fixed Rate Personal Loan

12.45 % p.a.

fixed rate

13.32 % p.a.

comparison rate

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

Apply for ANZ Fixed Rate Personal Loan and access a low interest rate offer.

  • Interest rate: 12.45% p.a.
  • Comparison rate: 13.32% p.a.
  • Interest rate type: Fixed
  • Application fee: $150
  • Minimum loan amount: $5,000
  • Maximum loan amount: $50,000
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Comparison of ANZ personal loans

Rates last updated December 19th, 2018
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Product Description Monthly Repayment
ANZ Fixed Rate Personal Loan
12.45% (fixed)
1 to 7 years
You'll receive a fixed rate of 12.45% 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.
ANZ Variable Rate Personal Loan
15.99% (variable)
1 to 7 years
You'll receive a variable rate of 15.99% p.a.
A flexible loan with amounts starting $5,000 that offers flexible repayments and a redraw facility.
ANZ Online Secured Car Loan
From 7.4% (fixed)
1 to 5 years
A secured car loan with a fixed rate interest.

Compare up to 4 providers

  • ANZ Variable Rate Loan. If you need a loan to make a purchase or consolidate your debt, 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.
  • ANZ Secured Car Loan. You can purchase a car or motorbike with this loan, as long as you're looking for more than $7,500. The interest rate for this loan is fixed, so your repayments will remain the same for the duration of the loan term.
  • 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 year(s). 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.

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
  • Be looking to borrow at least $5,000 or $7,500 for a car loan.

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 your options before deciding which loan is the right one for you.

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Personal Loan Offers

Important Information*
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 28.69% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3 or 5 years terms.

Citi Personal Loan Plus

You'll receive a variable rate between 8.99% p.a. and 17.99% p.a. (9.96% p.a. to 18.91% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years.

ANZ Fixed Rate Personal Loan

You'll receive a fixed rate of 12.45% 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.

RateSetter Unsecured Personal Loan - 3yr Fixed

You'll receive a fixed rate from 8.11% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 6 months. Interest and comparison rates calculated for a loan term of 3 years.

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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?

    • finder 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 ??

    • finder 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 ?

    • finder 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

    • finder 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

    • finder 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?

    • finder 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.

    • finder 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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