ANZ Unsecured Personal Loan
This product is available in different versions. Pick the right version for you here.
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 | Min loan amount | Max loan amount | |
|---|---|---|---|
| | Fixed | $5,000 | $50,000 |
| | Variable | $5,000 | $50,000 |
-
Loan: $5,000 $50,000
-
Loan: $5,000 $50,000
12.45% p.a.
13.32% p.a.based on $30,000
over 5 years
$150
ANZ Unsecured Personal Loan
12.45% p.a.
13.32% p.a.based on $30,000
over 5 years
$150
ANZ Unsecured Personal Loan
12.45% p.a.
13.32% p.a.based on $30,000
over 5 years
$150
15.99% p.a.
16.84% p.a.based on $30,000
over 5 years
$150
ANZ Unsecured Personal Loan
15.99% p.a.
16.84% p.a.based on $30,000
over 5 years
$150
ANZ Unsecured Personal Loan
15.99% p.a.
16.84% p.a.based on $30,000
over 5 years
$150
Mozo Review ANZ Unsecured Personal Loan Review
Last updated: 22 October 2019.
What's hot:
Fixed and variable rate options
Borrow from $5,000 up to $50,000
What's not:
$10 service fee
Mozo snapshot:
Need to borrow some money for that Thai resort holiday, new Ducati or Vegas wedding and don't have property or assets to help put down as security? 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.
Key features:
The ANZ unsecured 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 you get with the variable rate option:
- 15.99% interest rate (16.84% comparison rate*)
- Free extra repayments
- $0 redraw fee
- No fee for paying off the loan early
What you get with the fixed rate:
- 12.45% interest rate (13.32% comparison rate*)
- Set monthly repayments
- Loan term up to 7 years
Who it's good for:
The ANZ unsecured 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 a holiday or updated kitchen - without having to worry about putting an asset like their house or car up as collateral.
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 a $300 admin fee and other potential early repayment costs.
Details
Rates and fees information correct as at 22 February 2020. 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
-
12.45% p.a. fixed
-
13.32% p.a.based on $30,000
over 5 years
Fees
-
$150.00
-
$10.00
-
$20.00
-
$0.00
-
$300 admin fee. You may also incur early repayment costs.
Other financial bits
-
$5,000.00
-
$50,000.00
-
1 Year
-
7 Years
-
Unsecured
Features
-
Weekly, Fortnightly, Monthly
-
yes
-
no
-
none
-
none
Details
Rates and fees information correct as at 22 February 2020. 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
-
15.99% p.a.variable
-
16.84% p.a.based on $30,000
over 5 years
Fees
-
$150.00
-
$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
-
none
Customer Reviews
How are ANZ personal loans rated by the Mozo community?
Latest reviews of ANZ Unsecured Personal Loan
-
Look around before purchasing.
Think there are better loan options out there.
Read full reviewThink there are better loan options out there.
Price7/10Features7/10Customer service7/10Convenience7/10LessTrust8/10 -
Fast, easy, and helpful.
The loan process was fast, easy, and convenient and post-loan support has been great.
Read full reviewThe loan process was fast, easy, and convenient and post-loan support has been great.
Price7/10Features10/10Customer service10/10Convenience10/10LessTrust10/10 -
Great service!
ANZ has great service!
Read full reviewANZ has great service!
Price9/10Features9/10Customer service9/10Convenience10/10LessTrust10/10 -
Average. Way better options elsewhere
It's pretty expensive. You have to pay loan interest and a loan administration fee of $60 every fortnight. It was super easy to get but I guess you pay for it in the long run.
Read full reviewIt's pretty expensive. You have to pay loan interest and a loan administration fee of $60 every fortnight. It was super easy to get but I guess you pay for it in the long run.
Price3/10Features0/10Customer service7/10Convenience8/10LessTrust9/10 -
Interest rates are not competitive.
I like ANZ Bank but the interest rates are too high, I would love to find a lower one.
Read full reviewI like ANZ Bank but the interest rates are too high, I would love to find a lower one.
Price2/10Features3/10Customer service6/10Convenience8/10LessTrust8/10
About ANZ
ANZ is one of the largest companies in Australia and New Zealand, with a history that stretches back over 170 years. The bank offers a range of banking and financial products to more than 5.7 million retail customers, including home loans, credit cards and debit cards, personal loans, savings and banking accounts and personal insurance. And now, with its new mobile banking application, ANZ App, it's easier to do banking on the go.
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