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.
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 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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More guides on Finder
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Secured Personal Loans
Are secured personal loans better than unsecured personal loans and how do they work?
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How much can I borrow with a personal loan?
Personal loans offer a range of loan amounts to suit different purposes and budgets. Here's how to get the loan amount you need.
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Joint Personal Loans
If you're wanting to bolster your application, buy an asset with your partner or apply for a loan you're not eligible for by yourself, you can consider a joint application personal loan.
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Personal loans for temporary residents
Temporary Australian residents may be eligible to apply for personal loans, depending on the visa they hold.
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Easy personal loans
Not all personal loans come with endless documentation. Some lenders specialise in quick and easy application processes.
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Unsecured personal loans in Australia
Compare unsecured personal loans from some of Australia's top lenders. Find the best deal on rates, fees and features in seconds.
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Personal loan calculator
Use a personal loan calculator to work out your repayments or compare loans with a comparison calculator.
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Compare fixed rate personal loans from 5.76% p.a.
We’ve written about fixed rate personal loans and what their advantages are.
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Low interest personal loans in Australia
Find a low interest loan by comparing your options with Finder. See interest rates, fees, and features for loans across Australia, plus guides to help you get the best deal.
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Cheap personal loans
Find out exactly what you need to know when it comes to cheap personal loans, including working out if a loan is really competitive.
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