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
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.
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:
What new customers get with the fixed rate:
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.
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.
Fixed
10.50% p.a. fixed
11.38% p.a.based on $30,000
over 5 years
$150.00
$10.00
$20.00
$0.00
$300 admin fee. You may also incur early repayment costs.
$5,000.00
$50,000.00
1 Year
7 Years
Unsecured
Weekly, Fortnightly, Monthly
yes
no
Special offer available for applications approved and drawn down by 2 February 2021.
none
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.
Variable
12.99% p.a.variable
13.86% p.a.based on $30,000
over 5 years
$150.00
$10.00
$20.00
$0.00
$0.00
$5,000.00
$50,000.00
1 Year
7 Years
Unsecured
Weekly, Fortnightly, Monthly
yes
yes
Special offer available for applications approved and drawn down by 2 February 2021.
none
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.
As a pensioner I went to discuss a personal loan. Over many years I have had several ANZ loans. All these loans were paid out prior to the due date. No problems. I have no other debts owing no-one or nothing. I was told that I could not access a loan. The whole process went for over an hour, customer service was non-existent. ANZ has over the years made incredible mistakes with my credit cards (when I had them) in which they admitted liability and offered me sums of monies as a 'good will' action. Very disappointing overall.
Read full reviewAs a pensioner I went to discuss a personal loan. Over many years I have had several ANZ loans. All these loans were paid out prior to the due date. No problems. I have no other debts owing no-one or nothing. I was told that I could not access a loan. The whole process went for over an hour, customer service was non-existent. ANZ has over the years made incredible mistakes with my credit cards (when I had them) in which they admitted liability and offered me sums of monies as a 'good will' action. Very disappointing overall.
Always had a good experience with this bank. They know their business well.
Read full reviewAlways had a good experience with this bank. They know their business well.
Got the loan on time with no hassles.
Read full reviewGot the loan on time with no hassles.
Awesome customer service when I applied for my loan. Really responsive and upfront about everything and always answering questions thoroughly and comprehensive with knowledge.
Read full reviewAwesome customer service when I applied for my loan. Really responsive and upfront about everything and always answering questions thoroughly and comprehensive with knowledge.
Read the fine print. Make sure you get the best deal.
Read full reviewRead the fine print. Make sure you get the best deal.
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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