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Enjoy the flexibility of an ANZ Variable Rate Personal Loan, which may help you take control and reach your goals.
Apply to borrow between $5,000 and $50,000
Get a loan term of 1 to 7 years
Need a new or used car? A holiday? New furniture? Apply for a new ANZ Personal Loan of $10,000 or more and you could get $500 cashback.disclaimer Limited time offer.
Limited to one cashback offer per loan per customer within an 18 month period. ANZ’s eligibility and credit assessment criteria, T&Cs, fees and charges apply.disclaimer
Interest rate rangedisclaimer
The interest rate range shows the minimum and maximum interest rate that may be applicable. Your personalised interest rate will depend on our assessment of your credit score and will be confirmed in your Letter of Offer (if approved). See important information below for full T&Cs.
Comparison rate rangedisclaimer
You can make extra repayments whenever you like without additional cost, helping you to pay it off earlier and potentially save on the interest you pay.
If you need a bit extra, you could apply to increase your loan if your plans get bigger. If approved, you'll continue to have one loan amount and one repayment schedule.
You can choose to redraw additional loan repayments you have made at no extra cost (terms and conditions apply).disclaimer
If you apply in branch and are approved by midday Monday to Friday, you can have the money in your existing ANZ everyday account on the same day.
Loan Approval Fee | $150 |
Loan Administration Charge | $10 per month, debited every three months until the loan is closed in ANZ systems |
Early repayment charges | Not applicable |
Late Payment Fee | $20 will be charged if your repayment is five days late or more. A further $20 will be charged monthly until repayments are up to date. |
Certainty your repayments won’t change even if rates increase as you’ve locked in a fixed interest rate
Same-day cash in your ANZ everyday account if approved in branch by midday Monday to Fridaydisclaimer
Our personal loans can be used for just about anything. Click on a loan purpose below to get some useful tips and tools. Got another reason for seeking a personal loan? We can help with that too. Apply below
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.
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.
Once you've submitted your application:
If you’re ready to apply online and have your documents handy, you can get started now.
To complete your application, you'll need:
Get started online and we'll call you back to help with your application.
Chat to us in person at your local ANZ branch
Debt doesn’t have to be a dirty word. In fact, it can be good, bad or just downright useful. We look into types of debt and ways to get on top of them.
Ready to start your personal loan application? Make sure you’re eligible, have done your research and worked out your budget first.
Need the freedom of your first car, or an upgrade to one that's more efficient? If you’re in the market for a new, used or demo car there’s a few things to consider before you take the plunge.
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 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.
Cashback offer available to customers who apply for (1) a new ANZ Personal Loan of $10,000 or more or (2) an ANZ Personal Loan increase with a total loan amount of $10,000 or more, between May 15 2024 and October 15 2024. 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 cashback offer. There is a limit of one $500 cashback offer per eligible customer within an 18-month period. 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 this offer. 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.
ReturnInterest 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.
ReturnThese 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.
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).
ReturnApplications must be submitted at an ANZ branch, and approved before noon Monday to Friday (AEST), and customers must have approved funds deposited into an existing ANZ everyday account. For a full list of eligible ANZ everyday accounts, please contact us on 1800 801 485 between 8am to 6pm (AEST) weekdays.
ReturnFixed 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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