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About ANZ personal loans
With centuries of experience under its belt, ANZ is one Australian Bank that dominates the lion’s share of the lending market. This big giant is clearly not going anywhere, and if the wake of satisfied borrowers is anything to go by, you’ll be in good hands when doing business with them.
Here’s everything you need to know about ANZ personal loans and how to find a product that works for you.
What are the different types of ANZ personal loans?
ANZ Variable Rate Personal Loan
This loan type uses flexibility as its unique selling point. That’s because, as the name suggests, a variable rate loan has an ‘adjustable’ interest rate that’s mostly determined by market forces.With a rate that can change, there’s always the potential for more savings for your pocket when the rate moves down. ANZ has also cranked up the flexibility by adding the following features:
Ability to pay off your loan without also paying exit fees
You can get back those extra repayments when things get tight (redraw facility)
Ability to top up the amount you want to borrow
Fast funding – money in your ANZ everyday account if your approval happens before midday on working days (Mon-Fri).
ANZ offers unsecured loans only. Therefore, your car or assets won’t be needed.
ANZ Fixed Rate Personal Loan
If you need a safe, dependable option, a variable rate personal loan might suit you. It comes with an interest rate that stays flat during the entire loan term. That means you’ll be insulated from any shift in market rates. The loan also has other beneficial moving parts such as:
Repayments that never change
An easily controlled and workable budget
Quick turnaround time – You get cash on the same day you apply provided your approval sails through by midday Mon-Fri
You can manage your loan online
Applicable for unsecured loans. Therefore, your car or asset won’t be used to guarantee the loan
Key features of personal loans from ANZ bank
ANZ personal loan interest rate can either be variable or fixed. You, therefore, have the freedom to choose between flexibility and reliability.
Repayment flexibility. With a minimum loan term of one year and a maximum term of seven years, it’s easy to find a repayment period that’s in your range. In addition, the repayments also fit in with weekly, fortnightly, and monthly schedules.
Borrowing capacity. You can borrow any amount starting from $5,000 up to the tune of $50,000.
Fees or other loan charges. Besides interest, you can also expect to pay a one-off loan approval fee, monthly loan administration charges, and late payment fees. Fixed-rate loans also come with early repayment administration fees. How can you use the money from your ANZ loan?
Once you receive the cash in your bank account, you can:
Consolidate your debt
Buy your next set of wheels
Renovate your home
Travel to your favourite holiday destination
Pay for your wedding or other big events
What other financial products does ANZ offer?
Overdrafts. Choose between two overdraft products that both give you extra cash when your balance falls short.
Home loans. Spread the cost of your home with a flexible ANZ home loan.
Credit cards. You can get a variety of credit cards from Platinum to Low Rate and Frequent Flier cards.
More products. These include superannuation, insurance, savings accounts, transaction accounts, and term deposits. How to apply for your ANZ personal loan
To claim the personal loan product of your choice, click “Go to Site.” Then complete the easy online application on ANZ’s website in roughly ten minutes. ANZ generally has the following credit assessment criteria:
Be at least 18 years
Be an Australian citizen or permanent resident
Have a regular or stable annual income of at least $15,000
Your application will go by quicker if you have the following details and paperwork ready:
Income, expenses, debts, and other financial commitments
Details of your ANZ bank account for existing customers
For new customers, you’ll need two forms of ID – Medicare, driver’s licence, passport, or valid visa
Once you submit your application, you’ll receive an email confirmation. If you get approved, you’ll receive a letter of offer, which you can accept to receive the cash in your account.
Video: Learn about ANZ financial wellbeing program
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