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ANZ Unsecured Personal Loan

Advertiser disclosure
The details shown below are for a fixed loan between $5,000 and $50,000
The details shown below are for a variable loan between $5,000 and $50,000

Choose the version of this loan that suits you best

Loan type Name Min loan amount Max loan amount
Fixed Unsecured Personal Loan (Fixed) $5,000 $50,000
Variable Unsecured Personal Loan (Variable) $5,000 $50,000
  • Loan: $5,000 $50,000
  • Loan: $5,000 $50,000
Interest rate from
7.49% p.a.to 19.99% p.a.
Comparison rate from
8.18% p.a.to 20.58% p.a.based on $30,000
over 5 years
Upfront fee
$0.00
Interest rate from
7.49% p.a.to 19.99% p.a.
Comparison rate from
8.18% p.a.to 20.58% p.a.based on $30,000
over 5 years
Upfront fee
$0.00

Mozo editorial review ANZ Unsecured Personal Loan - last updated: 15 February 2024

binocular icon
What's hot
  • Fixed and variable rate options
  • Borrow from $5,000 up to $50,000
  • Choice of 1 to 7 year loans
What's not
  • $10 service fee
Mozo snapshot

Need to borrow some money for a home renovation or DIY do-up? You've got two options with an unsecured personal loan from ANZ - either opt for a variable or a fixed interest rate. On top of the interest rate, there's an ongoing fee which will add to your costs so try to pay off the loan in the least amount of time as possible for your budget.



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Key features

The ANZ Personal Loan gives you the choice of a variable or fixed interest rate. What's better will really depend on your money management comfort level. Do you just want to pay a fixed amount each month and be done, or do you want more flexibility so that you can pay off your loan faster and save on interest costs?

Both loans have a $5000 minimum loan amount and $50,000 maximum loan amount and give you the option to choose your repayment term from 1 - 7 years. 

What new customers get with the variable rate option:

  • Interest rate from 7.49% p.a. to 19.99% p.a. (8.18% p.a. to 20.58% p.a. comparison rate*)
  • Free extra repayments
  • $0 redraw fee
  • No fee for paying off the loan early

What new customers get with the fixed rate:

  • Interest rates from 7.49% p.a. to 19.99% p.a. (8.18% p.a. to 20.58% p.a comparison rate*)
  • Set monthly repayments
  • Loan term up to 7 years


If you're applying for a new loan or increasing your current one between February 14 2024 and May 14 2024, you can get your application fee waived (t&cs apply).

snapshot
Who is it good for

The ANZ Personal Loan is a good choice for anyone looking to borrow some cash to help them pay for something that they need now or very soon - like an updated kitchen or outstanding medical bill - without having to worry about putting an asset like their house or car up as collateral. 

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Any catches

Keep in mind, with the fixed interest rate version, there's no redraw facility available. So once you've made those extra repayments, they are locked into the loan for good. With the fixed rate loan, if you pay off your loan early, you'll also have to factor in potential early repayment costs.

Details

Rates and fees information correct as at 23 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

7.49% p.a.to 19.99% p.a. fixed

8.18% p.a.to 20.58% p.a.based on $30,000
over 5 years

Fees

$0.00

$10.00

$20.00

$0.00

yes - calculated early repayment cost

Other financial bits

$5,000.00

$50,000.00

1 Year

7 Years

Unsecured

Features

-

Weekly, Fortnightly, Monthly

yes

no

none

Application fee waived if applied between 14 February 2024 and 14 May 2024. Funds must be drawn down within 90 days of approval to be eligible.

WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. 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.

Details

Rates and fees information correct as at 23 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Variable

7.49% p.a.variable

8.18% p.a.to 20.58% p.a.based on $30,000
over 5 years

Fees

$0.00

$10.00

$20.00

$0.00

$0.00

Other financial bits

$5,000.00

$50,000.00

1 Year

7 Years

Unsecured

Features

-

Weekly, Fortnightly, Monthly

yes

yes

none

Application fee waived if applied between 14 February 2024 and 14 May 2024. Funds must be drawn down within 90 days of approval to be eligible.

WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. 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.

Customer Reviews

How are ANZ personal loans rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust

Latest reviews of ANZ Unsecured Personal Loan

About ANZ

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NOW Finance

Unsecured Personal Loan

6.75% p.a.to 26.95% p.a.

6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years

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Harmoney

Unsecured Personal Loan

5.76% p.a.to 24.03% p.a.

6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years

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OurMoneyMarket

Low Rate Personal Loan

6.57% p.a.to 8.48% p.a.

7.19% p.a.to 8.84% p.a.based on $30,000
over 5 years

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Jacaranda Finance

Express Personal Loan

14.95% p.a.to 27.95% p.a.

29.30% p.a.to 42.8% p.a.based on $10,000
over 3 years

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OurMoneyMarket

Debt Consolidation

6.57% p.a.to 18.99% p.a.

7.19% p.a.to 19.39% p.a.based on $30,000
over 5 years

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Harmoney

Debt Consolidation

5.76% p.a.to 24.03% p.a.

6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years

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loans.com.au

New Car Loan - Special

8.19% p.a.

9.30% p.a.based on $30,000
over 5 years

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Jacaranda Finance

Express Personal Loan

14.95% p.a.to 27.95% p.a.

29.30% p.a.to 42.8% p.a.based on $10,000
over 3 years

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loans.com.au

Clean Green Car Loan

7.69% p.a.

8.80% p.a.based on $30,000
over 5 years

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NOW Finance

Unsecured Personal Loan

6.75% p.a.to 26.95% p.a.

6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years

Thumbnail icon for OurMoneyMarket
OurMoneyMarket

Low Rate Personal Loan

6.57% p.a.to 8.48% p.a.

7.19% p.a.to 8.84% p.a.based on $30,000
over 5 years

Thumbnail icon for Harmoney
Harmoney

Unsecured Personal Loan

5.76% p.a.to 24.03% p.a.

6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years

Thumbnail icon for Jacaranda Finance
Jacaranda Finance

Express Personal Loan

14.95% p.a.to 27.95% p.a.

29.30% p.a.to 42.8% p.a.based on $10,000
over 3 years

Thumbnail icon for OurMoneyMarket
OurMoneyMarket

Low Rate Personal Loan

9.14% p.a.to 11.19% p.a.

9.50% p.a.to 11.56% p.a.based on $30,000
over 5 years

Thumbnail icon for Harmoney
Harmoney

Debt Consolidation

5.76% p.a.to 24.03% p.a.

6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years

Thumbnail icon for NOW Finance
NOW Finance

Unsecured Personal Loan

6.75% p.a.to 26.95% p.a.

6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years

Thumbnail icon for Harmoney
Harmoney

Debt Consolidation

5.76% p.a.to 24.03% p.a.

6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years

Thumbnail icon for NOW Finance
NOW Finance

Unsecured Personal Loan

6.75% p.a.to 26.95% p.a.

6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years

Thumbnail icon for Harmoney
Harmoney

Unsecured Personal Loan

5.76% p.a.to 24.03% p.a.

6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years

Thumbnail icon for OurMoneyMarket
OurMoneyMarket

Low Rate Personal Loan

6.57% p.a.to 8.48% p.a.

7.19% p.a.to 8.84% p.a.based on $30,000
over 5 years

Thumbnail icon for Harmoney
Harmoney

Debt Consolidation

5.76% p.a.to 24.03% p.a.

6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years

Thumbnail icon for NOW Finance
NOW Finance

Unsecured Personal Loan

6.75% p.a.to 26.95% p.a.

6.75% p.a.

$0.00

Thumbnail icon for Harmoney
Harmoney

Unsecured Personal Loan

5.76% p.a.to 24.03% p.a.

6.55% p.a.

$0.00

Thumbnail icon for OurMoneyMarket
OurMoneyMarket

Low Rate Personal Loan

6.57% p.a.to 8.48% p.a.

7.19% p.a.

$0.00

Thumbnail icon for OurMoneyMarket
OurMoneyMarket

Debt Consolidation

6.57% p.a.to 18.99% p.a.

7.19% p.a.

$0.00

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Harmoney

Debt Consolidation

5.76% p.a.to 24.03% p.a.

6.57% p.a.

$0.00

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