In this guide

  • Review
  • Details
    • Product details
  • How does the ANZ Fixed Rate Personal Loan Work?
  • How to apply
  • Features of this loan
  • How much does ANZ Fixed Rate Personal Loan cost?
  • Compare other personal loans
  • Your reviews
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ANZ Fixed Rate Personal Loan

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Interest Rate (p.a.)
7.49% to 19.99%
Comp. Rate (p.a.)
8.18% to 20.58%
Min Loan Amount
$5,000

Summary

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

Special Offer: For a limited time, ANZ is waiving the $150 approval fee for new borrowers or existing borrowers increasing their personal loan. Applications must be made between 14 February and 14 May 2024. Other conditions apply.

The ANZ Fixed Rate Personal Loan lets you budget your repayments with a predictable, fixed rate that will remain consistent through market changes. 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.

Pros

  • No security required
  • Available to self-employed borrowers
  • Repay the loan over 7 years

Cons

  • $10 monthly fee
  • Application fee of $150
  • You may also incur early repayment costs

In this guide

  • Review
  • Details
    • Product details
  • How does the ANZ Fixed Rate Personal Loan Work?
  • How to apply
  • Features of this loan
  • How much does ANZ Fixed Rate Personal Loan cost?
  • Compare other personal loans
  • Your reviews

Details

Product details

Product Name ANZ Fixed Rate Personal Loan
Interest Rate (p.a.) 7.49% to 19.99%
Comp. Rate (p.a.) 8.18% to 20.58%
Interest Rate Type Fixed
Min Loan Amount $5,000
Max. Loan Amount $50,000
Loan Security Unsecured

How does the ANZ Fixed Rate Personal Loan Work?

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 approved, the interest rate you receive will depend on ANZ's credit assessment criteria, based on information in your credit report including your credit score. The interest rates shown are the minimum and maximum rates for this product, and the actual interest rate you receive will be finalised in your letter of offer. Eligibility criteria, T&Cs, fees and charges apply.

If you are seeking more flexibility in repayments and redraw facilities, ANZ also offers a variable rate personal loan.

How to apply

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

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.

Features of this loan

  • A fixed rate. A fixed interest rate from 7.49% p.a. to 19.99% p.a. (Comparison rate of 8.18% p.a to 20.58% p.a.) This makes it easier to budget and locks you into the same rate for the lifetime of the loan.
  • 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.

How much does ANZ Fixed Rate Personal Loan cost?

  • Approval fee. You will pay an initial $150 fee.
  • Administration fee. There is also a $10 monthly fee, charged at the end of each quarter.
  • Late payment fee. You'll be charged $20.
  • Early repayment fee. $300 will also apply if you pay off your loan before the end of your loan term.

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NOW Finance No Fee Unsecured Personal Loan
Finder award winnerFixed18 Months - 7 Years $5,000 - $50,000
Interest Rate (p.a.)
6.75%
to 26.95%
Comp. Rate (p.a.)
6.75%
to 26.95%
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Monthly Fee
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Monthly Repayment
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OurMoneyMarket Personal Loan
Fixed1 - 7 Years $2,001 - $75,000
Interest Rate (p.a.)
6.57%
to 18.99%
Comp. Rate (p.a.)
7.19%
to 21.78%
Application Fee
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min. $250
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Monthly Repayment
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Harmoney Unsecured Personal Loan
Finder award winnerFixed3 - 7 Years $2,000 - $70,000
Interest Rate (p.a.)
5.76%
to 24.03%
Comp. Rate (p.a.)
6.55%
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Application Fee
$275 - $575
Monthly Fee
$0
Monthly Repayment
$926.83
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Citi Personal Loan Plus
Variable3 - 5 Years $2,000 - $55,000
Interest Rate (p.a.)
10.90%
Comp. Rate (p.a.)
11.19%
Application Fee
$199
Monthly Fee
$10
Monthly Repayment
$997.25
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Special Offer: Monthly Fee of $10 waived for applications submitted before 30 June 2024.
Latitude Variable Rate Personal Loan
Variable2 - 7 Years $5,000 - $70,000
Interest Rate (p.a.)
9.49%
to 29.99%
Comp. Rate (p.a.)
10.37%
to 30.69%
Application Fee
$0
Monthly Fee
$13
Monthly Repayment
$973.85
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Special Finder offer: $395 establishment fee waived for approved personal loan applications submitted through Finder. Latitude may withdraw offer at any time. T&Cs apply.
NAB Personal Loan Unsecured Fixed
Fixed1 - 7 Years $5,000 - $55,000
Interest Rate (p.a.)
6.99%
to 20.49%
Comp. Rate (p.a.)
7.91%
to 21.33%
Application Fee
$150
Monthly Fee
$10
Monthly Repayment
$940.81
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NAB Personal Loan Unsecured Variable Rate
Variable1 - 7 Years $5,000 - $55,000
Interest Rate (p.a.)
6.99%
to 20.49%
Comp. Rate (p.a.)
7.91%
to 21.33%
Application Fee
$150
Monthly Fee
$10
Monthly Repayment
$940.81
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ING Personal Loan
Finder award winnerFixed2 - 7 Years $5,000 - $60,000
Interest Rate (p.a.)
6.89%
to 18.99%
Comp. Rate (p.a.)
7.10%
to 19.23%
Application Fee
$150
Monthly Fee
$0
Monthly Repayment
$929.43
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