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ANZ Personal Loan Calculator & Product Overview

Looking for the perfect personal loan from the big-four player, ANZ? Compare the different types of personal loans from ANZ below. You can also use our ANZ personal loan calculator and guide to reach a fast decision that suits your needs.

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.

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

Calculate repayments for ANZ personal loans

Loan Amount



3 months


ANZ Fixed Rate Loan

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ANZ's 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.

ANZ Variable Rate Loan

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Whether you're looking to buy a new car, take a holiday, renovate your home or you want to consolidate debt, ANZ could help you with a Variable Rate Personal Loan. provides factual information in relation to financial products. While attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

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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
  • Driver’s licence
  • 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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