ANZ Personal Loans
Borrow up to $75,000 unsecured with a fixed or variable rate personal loan. Interest rates vary between products, and fees apply.
Key takeaways
- ANZ offers unsecured personal loans up to $75,000 with either fixed or variable interest rates.
- Expect a $150 application fee and a $10 monthly fee; interest rates often range from 7.49% to 21.99% p.a
- To apply, you must be 18+ a citizen or permanent resident and in paid employment.
What different scores mean
9+
Excellent
The crème de la crème of personal loans. These products offer the lowest cost loans accompanied by the best features.
7+
Great
Slightly higher in cost and fewer features, but these products are still competitive.
5+
Standard
Typically offering above average rates and possibly lacking in the features department.
0+
Basic
The least competitive in terms of both cost and features.
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How we picked these
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How to apply for a ANZ personal loan
Applying online is a straightforward process. You'll need to meet general eligibility requirements including:
- Being at least 18 years of age
- Being an Australian citizen or a permanent resident of Australia
- Being in paid employment
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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