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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Secured Personal Loans
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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.
Hi can you get a unsecured personal loan for $15000 if you are 67 years old and on old aged pension benefits
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
how soon is a letter of offer sent, is it emailed or posted
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
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?
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.
Thanks,
Elizabeth
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.
Hi Elizabeth,
Thanks for your question.
We have a list of lenders that may be able to offer you a loan while on Centrelink. I’d recommend that you get in touch with a few of them just to discuss your options and eligibility.
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.
All the best,
Shirley