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Personal loans
Repayments calculator

Use our personal loan repayment calculator to estimate your personal loan repayments and interest rate.

Start crunching the numbers on your personal loan by entering the amount you want to borrow, the length of your loan and your credit rating. Our personal loan calculator can do the rest.

Note: There are various credit reporting agencies that can hold different information and you may have a credit report with more than one agency. However, ANZ uses the credit score provided by Equifax to determine the applicable interest rate, and therefore recommends that you access your credit report or credit score from Equifax or getcreditscore.com.au (who retrieve the credit score directly from Equifax) for a more accurate estimate.disclaimer

limited time offer

Make it happen with an ANZ Personal Loan

$250 cashback + $150 Loan Approval Fee Waiverdisclaimer

Whether it’s new wheels, a home reno or a dream holiday, an ANZ Personal Loan can help make it happen.

Ready to apply?

Eligibility, ANZ’s credit assessment criteria, T&Cs, fees and charges apply.disclaimer Full offer terms at ANZ Personal Loans.

More personal loan calculators and tools

Some reasons to apply for a personal loan 

Choose a personal loan that works for you

I need stability 

ANZ Fixed Rate Loan

Borrow $5,000 to $50,000 over 1 to 7 years. 

1

Interest rate from

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Comparison rate from

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Features

  • Certainty your repayments won’t change even if rates increase as you’ve locked in a fixed interest rate

Things to consider

  • Early repayment charges may apply if you make early or extra repayments, repay your loan early or increase your loan amountdisclaimer
  • No access to extra money paid (redraw)

Apply for fixed

The interest rate range shows the minimum and maximum rate that may apply. Your interest rate will be confirmed in your Letter of Offer (if approved).

I need stability 

ANZ Variable Rate Loan

Borrow $5,000 to $50,000 over 1 to 7 years.

1

Interest rate from

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2

Comparison rate from

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Features

  • Ability to make early or extra repayments, or repay your loan early, without additional costs
  • Flexibility to increase your loan (subject to credit assessment)
  • Access to extra money paid (redraw)disclaimer

Things to consider

  • Your interest rate and repayments may increase or decrease during the term

Apply for variable

The interest rate range shows the minimum and maximum rate that may apply. Your interest rate will be confirmed in your Letter of Offer (if approved).

Fees explained

Loan approval fee

$150

Loan administration charge

$10 per month, debited every three months until the loan is closed in ANZ systems.

Late payment fee

$20 will be charged if your repayment is 5 days late or more. A further $20 will be charged monthly until repayments are up to date.

Early repayment charges (fixed rate loans only)

You may incur an Early Repayment Cost, which may be significant, if you make early or additional payments. See Early Repayment Costs (PDF) and Consumer Lending Terms and Conditions booklet (PDF).

How to apply

Check you're eligible

To be eligible for a personal loan, you must:

be 18 years of age or older  

earn a minimum of $15,000 per year  

be an Australian citizen, permanent resident or have a valid visa

be a sole or joint applicant. Joint applicants can apply at any ANZ Branch.

Get your documents ready

Here’s what you’ll need to apply:

details of your income, expenses, assets and liabilities

your driver's licence, ANZ Account Number or Customer Registration Number (if you have them).

 

If you're new to ANZ, you'll need any two of your Australian driver's licence, Medicare card, Australian passport, or Australian visa.

Apply your way

Apply in the way that suits you best. If you're short on time or need a little help we have a number of flexible application options for you to choose from.
 

Get started

Get in touch

Not sure which loan to choose, or have a question about your application or eligibility criteria? Give us a call or visit us in branch. We’re here to help.

General personal loan enquiries

Available Monday to Friday 8am to 8pm (AEST)

Call 1800 339 410

Visit a branch

Locate an ANZ branch near you

Book an appointment Locate an ANZ Branch

Tips & guides

How to manage debt

Debt doesn’t have to be a dirty word. In fact, it can be good, bad or just downright useful. Explore types of debt and ways to get on top of them.


Read tips for managing debt 

4 tips for your personal loan application

Ready to start your personal loan application? Read our tips first.
 

Read personal loan application tips 

Tips for buying a car

Got your heart set on a new, demo or used car? Read our car buying tips before you take the plunge.


Read tips for buying a car 

Your questions answered

Offer

To be eligible for the $150 Loan Approval Fee waiver and $250 cashback offer, a customer must:

(a) Apply for a new ANZ Personal Loan , or apply for an increase to their current ANZ Personal Loan.

(b) Apply between October 16 2024 and 31 January 2025.

(c) Draw down funds.

If a customer closes their ANZ Personal Loan account or nominated transaction account before the cashback payment is paid, they will be ineligible for the $250 cashback.


Customers can apply in branch, over the phone or online. For joint applications, customers must apply in branch.

The cashback amount will be paid into the transaction account in which the loan funds are disbursed within 120 days from the date of draw down.

If we do not have details for an appropriate account, the customer will be contacted via an outbound call.

General

An ANZ Personal Loan lets you borrow an approved amount of money from ANZ.

You can apply to borrow between $5,000 and $50,000 for a term of 1-7 years, at either a fixed or variable interest rate, and you pay back your loan (with interest) in instalments over the agreed term.

ANZ offers unsecured personal loans and there are two types of ANZ Personal Loans: Fixed Rate Personal Loan and Variable Rate Personal Loan.

  

ANZ Fixed Rate Personal Loans and ANZ Variable Rate Personal Loans are unsecured. This means you do not have to use an asset like your car or home as security to get a loan.

  

ANZ Fixed Rate Personal Loan

An ANZ Fixed Rate Personal Loan gives you the certainty of fixed repayments for the term of your loan. This means if interest rates increase your repayments stay the same.

However, if you're looking to pay off your loan early, make extra repayments or increase your loan amount, early repayment fees and charges may apply. See Early Repayment Charges (PDF) and ANZ Consumer Lending Terms and Conditions booklet (PDF) for further information. You also do not have access to any early repayments made to the loan.

ANZ Variable Rate Personal Loan

With an ANZ Variable Rate Personal Loan, your interest rate may increase or decrease during the loan term, and so may your repayments. You can make early or extra repayments to pay off the loan faster (and save on interest charges), and redraw any extra money you’ve paid on your loan, without additional costs.

   

If you have an ANZ Variable Rate Personal Loan, you can pay off your loan early by making early or extra repayments without additional costs. This could help you to save on the interest you pay over the life of the loan. 

With an ANZ Fixed Rate Personal Loan, early repayment fees and charges, which may be significant, may apply if you make early or additional repayments or repay your loan early. Refer to Early Repayment Charges (PDF) and ANZ Consumer Lending Terms and Conditions booklet (PDF).

If you have an ANZ Secured Car Loan and decide to make early or extra repayments, early repayment charges will apply. For more information, please read ANZ Secured Car Loans – what happens if you repay some or all of your loan early (PDF).

   

Interest explained

Interest is calculated on the unpaid daily balance of your loan and is charged to the loan on a fortnightly or monthly basis (depending on which product you have). The interest rate applied each day is equal to your annual interest rate, divided by 365.

It's important to note that the interest charged to your loan may be different each month for ANZ Fixed Rate and Variable Rate Personal Loans, as it depends on a variety of factors, such as the number of days in that month, the applicable annual interest rate and the unpaid balance of your loan. For the full details about how interest is calculated refer to our Consumer Lending terms and conditions brochure (PDF).

  

Different agencies can hold different information, you may have a credit report with more than one agency.

ANZ uses the credit score provided by Equifax to determine your applicable interest rate. We recommend that you access your credit report or credit score from Equifax or getcreditscore.com.au for a more accurate estimate.

A range of interest rates apply to ANZ Personal Loans. The interest rate range shown sets out the minimum and maximum interest rate that may be applicable.

We tailor your interest rate based on our assessment of your credit score. Where you have demonstrated good credit-based behaviour, such as not opening too many credit products or making repayments on time for your other credit products, this will be reflected in your credit score and you may be offered a rate in the lower end of our range. Where your credit history isn’t as long, or as good, or you have made many credit applications in a short period of time, this may negatively impact your credit score and you’ll likely be offered a rate at the higher end of our range.

We'll confirm your interest rate in a letter of offer, which you can decide whether to accept.

Here are some things to consider when applying for a personal loan.

A comparison rate helps you work out the true cost of a loan. This rate takes other fees and charges into account, like a loan approval fee and loan administration charge in addition to the interest rate. It’s meant to be a fairer way of comparing how much a loan will cost you.

For more information, visit Moneysmart.

  

Important information

Any information provided is general in nature and does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you. ANZ recommends you read the applicable Terms and Conditions booklets and the ANZ Financial Services Guide (PDF) before deciding whether to acquire, or continue to hold, a particular product.

All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply. Australian credit licence number 234527.

The interest rate shown using this calculator is an estimate of what your personalised interest rate could be based on the credit score and loan details you have provided. It is for illustrative purposes only and is based on the accuracy of the information entered, and your actual interest rate may vary when you complete an application and are approved. The estimate does not constitute a quote, loan approval, agreement or advice by ANZ and should not be taken as a guarantee that you will receive this interest rate. Your interest rate will be confirmed in your letter of offer (if approved).

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For the purposes of this calculator, the interest rate estimate is based on the current interest rate range applicable to ANZ Fixed and Variable Rate Personal Loans of  to  (comparison rate  to ). Rates as at  and are subject to change and may impact the estimate provided.

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The repayment amount shown using this calculator is an estimate based on the loan amount and loan term selected, and the credit score you have provided. The estimate is provided for illustrative purposes only and actual repayment amounts may vary when you complete an application and are approved. This calculation does not constitute a quote, loan approval, agreement or advice by ANZ. It does not take into account your personal or financial circumstances. To apply for an ANZ Personal Loan you must complete an application. For an ANZ Fixed or Variable Rate Personal Loan, the repayment amount shown on this calculator includes the Loan Approval Fee of $150, interest and monthly Loan Administration Charge of $10  .

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There are various credit reporting agencies that can hold different information and you may have a credit report with more than one agency. However, ANZ uses the credit score provided by Equifax to determine the applicable interest rate, and therefore recommends that you access your credit report or credit score from Equifax or getcreditscore.com.au (who retrieve the credit score directly from Equifax) for a more accurate estimate.

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This offer is available for a limited time to customers who apply for a new or increase their existing ANZ Personal Loan between 16 October 2024 and 31 January 2025. This offer may be withdrawn or changed at any time without notice. The loan must be approved, and the funds drawn down to be eligible for the offer. The cashback payment will be paid within 120 days of drawdown into the transaction account which the loan funds are disbursed into. The transaction account must be in the same name as the loan account. For joint applications, only one cashback payment will be paid in total for the application and will be paid to the first listed applicant. For joint applications, the account for funds disbursements must include the name of the first listed applicant. Applications for a joint ANZ Personal Loan or an increase of a joint ANZ Personal Loan may only be made in branch. If a customer closes their ANZ Personal Loan account or transaction account before the cashback payment is paid, they will become ineligible for the cashback payment. Applications for credit are subject to ANZ’s eligibility and credit assessment criteria. If you have any questions about the tax treatment of the cashback offer, please discuss with a tax agent or the Australian Tax Office.

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Interest rates as at  and are subject to change. These interest rates may be withdrawn or changed at any time without notice and may not be available in conjunction with any other offers, packages, or promotions.

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These comparison rates are based on a $30,000 Personal Loan for a five year term. The rates are applicable for unsecured loans only. 

WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

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Fixed rate personal loans aren’t for everyone and early repayment fees and charges, which may be significant, may apply if you make early or additional repayments or repay your loan early. Refer to Early Repayment Charges (PDF) and ANZ Consumer Lending Terms and Conditions booklet (PDF).

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Terms and Conditions and eligibility criteria apply to ANZ Redraw. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF).

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