Australia and New Zealand Banking Group Limited, commonly referred to as ANZ, offers several types of personal loans. This includes personal loans with fixed or variable rates. You can borrow between $5,000 and $50,000 for a personal loan. Interest rates for a fixed rate personal loan from 7.49% p.a., also from 7.49% p.a. for a variable rate personal loan. The personal loans come with fees, including an approval fee of $150 and a monthly administration fee of $10, charged at the end of each quarter.
Compare ANZ Personal Loans
{"userFilters":[{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":false,"defaultMatcher":"ANY","values":["Variable","Fixed"],"fields":[{"label":"Variable","value":"Variable","comparator":"contains"},{"label":"Fixed","value":"Fixed","comparator":"contains"}]},"dataSelector":{"recordType":"PRODUCT","fieldCode":"RATES.RATE_TYPE"},"dataType":"TEXT","label":"Loan Type","queryParameter":null,"order":0},{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":false,"defaultMatcher":"ANY","values":["Secured"," Unsecured"],"fields":[{"label":"Secured","value":"Secured","comparator":"contains"},{"label":"Unsecured","value":" Unsecured","comparator":"contains"}]},"dataSelector":{"recordType":"PRODUCT","fieldCode":"TABLE_FILTER.LOAN_SECURITY"},"dataType":"TEXT","label":"Secured type","queryParameter":null,"order":1},{"componentType":"RADIO","options":{"comparator":"contains","values":["Working full-time"," Working part time"," Working casually"," No"," Self-employed"]},"dataSelector":{"recordType":"PRODUCT","fieldCode":"TABLE_FILTER.EMPLOYMENT_STATUS"},"dataType":"TEXT","label":"Employment","queryParameter":"employmentstatus","order":2},{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":false,"defaultMatcher":"ANY","values":["Australian citizen\/resident"," Temporary resident"],"fields":[{"label":"Australian citizen\/resident","value":"Australian citizen\/resident","comparator":"contains"},{"label":"Temporary resident","value":" Temporary resident","comparator":"contains"}]},"dataSelector":{"recordType":"PRODUCT","fieldCode":"TABLE_FILTER.RESIDENCY_STATUS"},"dataType":"TEXT","label":"Residency status","queryParameter":"residencystatus","order":3},{"componentType":"PROVIDER","options":null,"dataSelector":{"recordType":"PROVIDER","fieldCode":"GENERAL.ID"},"dataType":"UUID","label":"Provider","queryParameter":null,"order":4},{"componentType":"FULL MARKET COMPARISON","options":null,"dataSelector":{"recordType":null,"fieldCode":null},"dataType":null,"label":"Finder Partner","queryParameter":null,"order":5}],"niche":{"currencySymbol":"$","decimalPoint":".","decimalPlaces":"2","thousandsSeparator":","},"prefilled":false,"experimental":false}
We currently don't have a partnership for that product, but we have other similar offers to choose from (how we picked these
):
The different personal loans ANZ offer:
ANZ Variable Rate Loan. If you need a loan to make a purchase, consolidate your debt or finance a new or used car, an ANZ Variable Rate Personal Loan is designed with you in mind. This loan allows you to enjoy the flexibility of making extra repayments according to your preferences and budget and you can also repay early. You can top up your funds if you find you need extra during your loan term and it has a redraw facility.
ANZ Fixed Rate Loan. The Fixed Rate Loan comes with a constant interest rate for the entire period of the loan, offering the security that comes with knowing what your future repayments will be. You can manage your loan online and ANZ offers a fast turnaround with this loan – the funds can be in your account on the same day when you apply by midday Monday to Friday. You can use this loan to buy a new or used car.
What do Australians think of ANZ personal loan?
3.89/5 overall for Customer Satisfaction — lower than the average of 4
4.31/5 for Trust — higher than the average of 4.2
3.75/5 for Customer Service — lower than the average of 4.05, and this was the lowest score in the category
Choice of fixed or variable interest rate. Depending on what best suits your budget, you can opt for a fixed or variable loan.
Flexible repayment schedule. With an ANZ personal loan, you will be able to make repayments according to your schedule – weekly, fortnightly or monthly.
Flexible loan terms. A personal loan from ANZ comes with the flexibility of choosing a term from 1 year to 7 years. This gives you the ability to choose how long you want to take to pay off your loan.
Loan amount. You will be able to borrow $5,000 or more with an ANZ personal loan.
What other products does ANZ offer?
Home loans. ANZ has an extensive range of convenient and uncomplicated home loans designed to help make buying a home easier.
Bank accounts. ANZ has a wide range of bank accounts including transaction accounts, savings accounts and term deposits.
Credit cards. ANZ offers Low Interest Rate, Rewards, Frequent Flyer and Platinum credit cards to customers.
Other products. Some of the other products offered by ANZ include insurance, foreign exchange, investing and super.
How you can apply for a ANZ personal loan
If you want to apply for any personal loan offered by ANZ, click "Go to Site" to be safely redirected to the online application page. You will need to set aside about 20-30 minutes out of your day to complete the easy form.
Be at least 18 years of age
Be currently residing in Australia
Have a regular income
Have a good credit rating
To apply, make sure you have the following on hand:
Income, expenses, assets and liabilities
Your current employer's name and contact information
Your previous employer's name and details if you've changed jobs in the last three years
Your driver's licence or proof of ID
If you bank with ANZ, your ANZ account number or Customer Registration Number
After you’ve submitted your application, you will receive a confirmation email. If your application is approved, you will receive a Letter of Offer before the funds are made available to you.
ANZ’s personal loans offer viable alternatives for borrowers in need of funds. Make sure to compare personal loan rates before deciding which loan is the right one for you.
OurMoneyMarket offers personal loan solutions for whatever your need. Whether you want to buy a new car, pay for your wedding or renovate your home, you can choose between secured and unsecured loan options.
Find out more about Pepper Money's no fee personal loan and benefit from a competitive rate from 6.95% p.a., zero fees and loan terms of up to 7 years.
If you are looking for a credit card that gives access to a limited balance transfer offer, Visa and dining benefits, look no further than the Citi Ready Credit.
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.
If you're sick of paying too much interest, find out how you can save money when you refinance your personal loan. There is a range of options available and you might get out of debt sooner.
How can l get a 10000 loan for car repairs by using our house as collateral we own our house
Finder
SarahOctober 13, 2023Finder
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:
Can I apply for top up my personal loan I already have with ANZ bank and it’s going to be paid off
Finder
SarahJuly 3, 2023Finder
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!
LizNovember 8, 2017
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?
Finder
RenchNovember 8, 2017Finder
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
sheldonSeptember 16, 2016
Hey there is it possible to get a loan for $25000 even if my employment is casual ??
Finder
ElizabethSeptember 16, 2016Finder
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
AnaisAugust 18, 2016
Hi I was wondering if a student starting his own business could get a loan ?
Finder
ElizabethAugust 18, 2016Finder
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
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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