ANZ Personal Loans | Interest Rates & Fees - BestFind
Important disclosure

ANZ Personal Loans

ANZ (Australia and New Zealand Banking Group) is Australia’s third largest bank. ANZ has two personal loan products, ANZ Variable Rate Personal Loan and ANZ Fixed Rate Personal Loan. The key features of ANZ’s Variable Rate loan include no early exit fees and the flexibility to top up – however the interest rate is higher. ANZ’s Fixed Rate loan comes with a lower interest rate and the assurance that your repayment won’t increase over the life of the loan.

Negatives include the $10 monthly fee and the $150 application fee.

ANZ Personal loan approval time vary; some applications will be approved on the same day. If they require additional information, it may take up to 5 business days

Compare ANZ Personal Loans

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

Personal loan interest rates (base)15.99%

Personal loan comparison rate16.84%

Monthly repayments (approx)$357

Total repayments (approx)$12,857

Total interest repayments (approx)$2,857

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

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Other Fees & Information

Monthly fee$10

Quarterly 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 of20/10/2017

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We provide a range of flexible personal loans designed to suit your needs.

Overview

Minimum loan amount$5,000

Maximum loan amount$40,000

Minimum term (years)2 years

Maximum term (years)7 Years

Personal loan interest rates (base)8.95%

Personal loan comparison rate10.56%

Monthly repayments (approx)$333

Total repayments (approx)$12,020

Total interest repayments (approx)$2,020

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee4%, maximum $495

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Other Fees & Information

Monthly fee$13

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored Yes

Telephone1300 275 669

Data accurate as of26/10/2018

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

Compare and review ANZ personal loans

Loan purposes

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

Examples of common loan purposes ANZ will lend for:

ANZ personal loan approval time

If you’re an existing ANZ customers and apply before noon Monday to Friday, you may have applications approved and funded on the same day. For more complex applications approval times vary between 48 hours and 5 working days.

Do you have an ANZ personal loans calculator?

Yes. View the ANZ Personal Loans calculator.

ANZ personal loan application

If you’d like to apply online with ANZ, visit ANZ’s website by clicking here.

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 personal loan requirements

  • 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 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!

ANZ personal loan application status

If you have already applied for an ANZ personal loan, you can check your application status by calling 13 33 33, 8.00am to 8.00pm AEST, Monday to Friday.

Additional product information

ANZ minimum and maximum loan amounts

You can borrow between $5,000 and $50,000.

Loan terms

Terms vary between 1 year and 7 years.

Repayment schedule

ANZ allow weekly, fortnightly or monthly repayment.

ANZ personal loan redraw facility

ANZ’s Variable Rate Personal Loan gives you the option to make redraw additional payments you may have made.

ANZ commercial