ANZ Personal Loan Rates & Fees, Review & Compare - Best Find

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Anz Personal Loans

ANZ Fixed Rate Personal Loan

Our Fixed Rate Personal Loan gives you the certainty of knowing you’re protected from interest rate movements. You’ll always know how much your repayments are and how many repayments remain, which will help you budget.

Overview

Minimum loan amount$5,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate13.95%

Comparison rate14.81%

Monthly repayments (approx)$347

Total repayments (approx)$12,492

Total interest repayments (approx)$2,492

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$150

Other Fees & Information

Monthly fee$10

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$680 pro-rata

Missed payment fee$20

For debt consolidation?Yes

Sponsored No

Telephone1800 801 485

Data accurate as of4/04/2017

Comparison rate warning This comparison rate is based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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Variable Rate Personal Loan

Whether you’re looking to buy a new car, take a holiday, renovate your home or you want to consolidate debt, we could help you with an ANZ Variable Rate Personal Loan.

Overview

Minimum loan amount$5,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate14.69%

Comparison rate15.55%

Monthly repayments (approx)$350

Total repayments (approx)$12,611

Total interest repayments (approx)$2,611

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$150

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$680 pro-rata

Missed payment fee$20

For debt consolidation?Yes

Sponsored No

Telephone1800 801 485

Data accurate as of4/04/2017

Comparison rate warning This comparison rate is based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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Did you know you can compare 100’s of personal loans? Browse, filter and on our main personal loans comparison page.

Compare and review ANZ personal loan rates

Looking to make major purchase, go on a holiday or perhaps to consolidate your existing debts into one simple regular repayment? When comparing ANZ personal loans, there are other important things to consider and understand, other than just ANZ’s interest rates.

What personal loan options does ANZ offer?

ANZ has 2 personal loan products:

  • ANZ Fixed Rate Personal Loan
  • ANZ Variable Rate Personal Loans

View the above table for detailed product information and a comparison of the interest rates, fees and features.

You can also review and compare ANZ car loans, ANZ home loan and ANZ credit cards.

Do you have an ANZ personal loans calculator?

Yes. Use the filter to adjust your loan amount and term to calculate your approximate monthly repayments. When you apply the filter, you will see a breakdown of your approximate monthly repayments as well as the total amount of interest and fees paid.

How to apply for an ANZ Personal Loan?

If you’d like to apply online for an ANZ personal loan, just scroll up and click on “Learn more” to be taken to ANZ’s secure online application form. Before you apply, be sure to learn about ANZ’s personal products, fees and eligibility criteria. Give yourself around 30 minutes to complete the application.

ANZ’s personal loan eligibility criteria

Before you apply for a personal loan, be sure to understand and meet the ANZ’s lending criteria. Below is high-level overview of ANZ’s criteria:

ANZ’s minimum requirements for a personal loan

  • Minimum age of 18
  • Earn a minimum of $15,000 per annum
  • An Australian citizen, permanent resident or have a valid visa

Information you’ll need to provide

Whether at the ANZ branch or online, make sure to have the following nearby:

  • Proof of income. A verifiable and steady employment. You may be required to provide copies of your most recent pay slips and employer’s contact information
  • A list of your assets, expenses and liabilities
  • Driver’s licence (if you have one) or other forms of ID

Are you self-employed?

If you’re self-employed, you will also need to provide:

  • Financial statements for the last year (no older than 18 months)
  • Your most recent personal/business tax return (no older than 18 months)

Other things to keeping mind when applying with ANZ

  • It’s advantageous to have a good credit history. For example, you have no recent defaults and no frequent requests for credit
  • Credit cards with large credit limits are seen as liabilities, even if there’s nothing owing. If you have existing liabilities, be certain you can pay them off in addition to your ANZ personal loan

There are many additional factors ANZ consider when accessing your application, but the above are the most important. If you feel like you may not meet their eligibility criteria, it may be best to save!

What can you use an ANZ personal loan for?

You can borrow for almost any worthwhile purpose. No, going to the casino and putting it all on black is not a worthwhile purpose.

Examples of common loan purpose ANZ will lend for:

Additional product information

ANZ’s minimum and maximum personal loan amounts and terms

You can borrow between $5,000 and $50,000. Over terms between 1 year and 7 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

ANZ’s repayment schedule

ANZ allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

ANZ allows you to make additional or early repayments. There are fees associated with completely repaying your loan off early.

Redraw facility

ANZ’s Variable Rate Personal Loan gives you the option of being able to make redraws.