Buying your next home?
See our home loan tools, articles and resources to help you explore your home loan options. We'll help you get to a good place.
Buying your next home?
See our home loan tools, articles and resources to help you explore your home loan options. We'll help you get to a good place.
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Manage your personal loan online with the ANZ App and Internet Banking. You can make convenient one-off transfers, setup recurring payments and redraw from the extra repayments made on your eligible personal loan. It's all at your fingertips.
To make a one-off transfer to your personal loan account:
To make a one-off transfer to your personal loan account:
You can set up recurring payments to a loan account by using the create or manage direct loan payments option.
To add a direct loan payment:
Please note, if your direct loan payments are already Bank Managed Payments, and you add an additional loan payment to your loan account, the existing payment will lose its Bank Managed Payment (Direct Loan Payment) status. Please read below to learn differences between bank managed and customer managed Direct Loan Payments.
You can delete a direct loan payment but remember that you won't be able to get the details back once you have deleted the payment.
If you are deleting a Bank Managed Payment please make alternative arrangements to pay your loan, otherwise you are at risk of missing repayments.
A Bank Managed Payment option is only available if this is to be your sole method of payment into the selected loan account ie. no additional payments have been set up. As the main method of payment, the amount automatically increases if the minimum loan payment amount increases. However, it will not automatically decrease if the minimum loan payment amount decreases.
On variable rate loans, you can choose to modify the amount (lower it or increase it) as long as you meet the minimum loan payment amount.
Alternatively, you can set up a Customer Managed Payment which is a regular payment that doesn't automatically update if the minimum loan payment amount increases. So, it's important for you make sure you're covering the minimum loan payment amount, manually.
You can choose to set up more than one Customer Managed Payment at different intervals so they're customised to your specific circumstances.
To redraw on your ANZ Variable Rate Personal Loan:
You can request to close your ANZ personal loan at any time. Here's some important information you should know:
To make a personal loan closure request:
An ANZ Customer Service Consultant will respond to your online request within 24-48 hours.
Repayments can be made by:
You can see the payment due date and amount required in ANZ Internet Banking. You can also give us a call, visit a branch or refer to your Ietter of offer. It may be a good idea to set your own reminders for these dates or set up a regular payment.
If you miss a repayment (or if you don’t have enough money in your account for a Direct Loan Payment or Periodical Payment), you’ll need to make a payment directly to the loan to bring it back up to date. You can make this payment via ANZ Internet Banking, ANZ Phone Banking or by visiting any ANZ branch.
You may be charged a Late Payment Fee if you miss a repayment or don’t have enough money in your account.
Yes it does. We calculate interest according to the outstanding balance on your loan. If you miss a repayment, your outstanding balance does not reduce as scheduled on your original loan agreement.
You may also have to pay a Late Payment Fee if any part of that repayment is five days late or more. The Late Payment Fee is also charged every subsequent 30 days that repayments are overdue.
You can make extra repayments, which could help you pay off your loan faster and save on interest charges.
If you decide to make extra repayments or repay the loan in full ahead of time, you will need to pay Early Repayment Charges (PDF). You’ll find further details in the ANZ Consumer Lending Terms and Conditions booklet (PDF).
You can find out your outstanding balance and other details in the ANZ App or ANZ Internet Banking - see how to view your account details
Alternatively, you can visit a branch or contact phone banking
Your repayments are calculated based on the total amount of your loan, the loan term, any applicable fees and the annual interest rate. These repayments ensure that your loan is repaid in full within the agreed loan term.
If you have an ANZ Fixed Rate Personal Loan, your monthly repayment will not change. If you have an ANZ Variable Rate Personal Loan your interest rate may change during the loan term and so may your repayments.
Please call us on 1800 337 919 (option 1) immediately to discuss your circumstances and see if we can come to an arrangement. We may be able to restructure your payments or work out a payment plan to help you manage your loan.
If you’ve unintentionally paid more than your repayment amount for an ANZ Variable Rate Personal Loan, you can just redraw the extra money by transferring it to an eligible ANZ everyday account. But if it’s an ANZ Fixed Rate Personal Loan, we’ll need to investigate further, and you may have to pay a fee.
Please note: if your loan was in arrears before making the extra payment or if a payment was due, you may not be able to get back the entire amount.
For ANZ Variable and Fixed Rate Personal Loans, this fee is charged for every month when all or part of the loan repayment hasn’t been paid for five days or more. It’s also charged every subsequent 30 days that repayments are overdue.
No. You can't stop or delete the payment once you have confirmed the one-off transfer to your ANZ Loan account.
The payment type indicates whether the loan payment method is managed by ANZ or by you.
You can set any amount as the Bank Managed Payment Payment, as long as the payment amount is equal to or more than the minimum repayment amount.
No. If you want to set up direct loan payments for your ANZ Personal Loan account via ANZ Internet Banking, it has to be done from a linked ANZ account.
Yes, but you must ensure that your payments are equal to or more than the minimum repayment amount.
If your Bank Managed Payment has already been set up, you can only change the payment amount. The payment frequency cannot be modified through ANZ Internet Banking.
To change the frequency of a Bank Managed Payment, please call us or visit a branch.
If you have an ANZ Variable Rate Personal Loan, our redraw feature allows you to access the extra money you've repaid. You could take out money you’ve paid above your minimum monthly repayments.
You can redraw for any reason you like.
You should consider any redraws will be debited to your loan account and will incur interest on the same basis as principal owing under your loan. The amount withdrawn can only be cleared funds. ANZ can adjust the amount of your loan repayments to ensure you meet your loan term.
Redraw is not available on the ANZ Secured Car Loan or ANZ Fixed Rate Personal Loan.
To find out more, read our Consumer Lending terms and conditions brochure (PDF).
You can only redraw on your Personal Loan if you have an ANZ Variable Rate Personal Loan. You’ll be able to redraw the extra money you've repaid, any time you want. If you have an ANZ Fixed Rate Personal Loan you will not be able to redraw extra repayments.
The most you can redraw from eligible, ANZ Variable Rate Personal Loans is the amount paid in advance on the loan. There is currently no minimum redraw amount for ANZ Personal Loans.
No. You cannot directly redraw from an ANZ Loan account to a non-ANZ account or to an ANZ account that is not linked to your ANZ Internet Banking or the ANZ App.
A loan redraw can be deposited only to another ANZ account linked to you as displayed in your account list on ANZ Internet Banking or the ANZ App.
You will need the loan account number to request to close that loan.
No. The loan closure request will only supply you with the pay-out figure on a particular loan account via a SecureMail.
You can contact ANZ for more information on your personal loan contract and loan payments.
Generally, you would submit a loan closure request when you’re ready to pay off your loan and close your account – a big milestone! Note that early repayment costs and other discharge fees may apply when exiting your loan early.
We no longer offer secured car loans to new customers. These were loans provided to consumer customers to purchase assets such as motor vehicles, boats and caravans that were secured by the item being financed.
If you already have a Secured Car Loan with us or Esanda, we’ll continue to manage your Secured Car Loan through to maturity.
If you have a question about your existing ANZ Secured Car Loan, explore the frequently asked questions below or call us on 13 23 73 to discuss. Our customer service agents are available Monday to Friday 8am to 7pm AEST.
We no longer offer ANZ Secured Car Loans to new customers. If you have an existing Secured Car Loan with ANZ or Esanda, however, we will continue to manage your loan until your loan is repaid in full.
As we no longer offer ANZ Secured Car Loans to new customers, ask us about other finance options if you’re intending to refinance.
Call us on 13 23 73, Monday to Friday 8am to 7pm AEST.
If you’re outside Australia, call +61 3 8654 0213.
If you’re experiencing financial hardship and can’t make a repayment on your ANZ Secured Car Loan, please call us immediately on 13 23 73. We will work with you to help you find a sustainable solution to your financial difficulties.
If you decide to pay out your loan before the maturity date, early repayment charges will apply. Before you make the decision, you may like to speak to us or seek financial advice.
To ensure a smooth finalisation of your loan, it's important to have an accurate payout figure calculated. Before you pay it out, just call 13 23 73. We'll be happy to help with the calculation of your current payout figure and can organise any paperwork required.
For more information on paying out an ANZ Secured Car Loan early, please read ANZ Secured Car Loans – what happens if you repay some or all of your loan early (PDF).
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, which are available on anz.com or by calling 13 13 14 before deciding whether to acquire, or continue to hold the product.
The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.