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
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 you get with the variable rate option:
What you 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 December 2020.
none
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 December 2020.
none
Read the fine print. Make sure you get the best deal.
Read full reviewRead the fine print. Make sure you get the best deal.
900 credit score and ~20k in savings. I applied for my first loan with this company. It's been 2 weeks and I have yet to receive a response from the assessment team yet. When my friend applied with CNA it was done in 2 days. Don’t bother here.
Read full review900 credit score and ~20k in savings. I applied for my first loan with this company. It's been 2 weeks and I have yet to receive a response from the assessment team yet. When my friend applied with CNA it was done in 2 days. Don’t bother here.
Pros: Convenient and easy to apply online if you already hold an account. If you miss a payment they send you a text so you don't fall too far behind. Cons: Re-Payment times vary and the re-payments coming out keep very slowly creeping back until it's no longer after pay day but before it. You can message via online means but it's pointless as they will want you to call or pop into a branch.
Read full reviewPros: Convenient and easy to apply online if you already hold an account. If you miss a payment they send you a text so you don't fall too far behind. Cons: Re-Payment times vary and the re-payments coming out keep very slowly creeping back until it's no longer after pay day but before it. You can message via online means but it's pointless as they will want you to call or pop into a branch.
I took out a personal loan with ANZ and after a while i noticed the loan wasn't coming down too much so I re-applied for a lower interest rate loan which i am glad to do because now i can actually see the loan coming down. But unfortunately i stupidly did a fixed interest rate so now that the interest rates have plummeted i am regretting not going for the variable rate.
Read full reviewI took out a personal loan with ANZ and after a while i noticed the loan wasn't coming down too much so I re-applied for a lower interest rate loan which i am glad to do because now i can actually see the loan coming down. But unfortunately i stupidly did a fixed interest rate so now that the interest rates have plummeted i am regretting not going for the variable rate.
Have had no issues with the loan, have been able to redraw when ever necessary. Being able to use either phone or online banking makes life that bit easier.
Read full reviewHave had no issues with the loan, have been able to redraw when ever necessary. Being able to use either phone or online banking makes life that bit easier.
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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Unsecured Personal Loan (Fixed)
6.49% p.a.to 8.99% p.a.
6.84% p.a.to 9.34% p.a.based on $30,000
over 5 years
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Personal Loan
6.95% p.a.to 19.99% p.a.
6.95% p.a.to 19.99% p.a.based on $30,000
over 5 years
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Unsecured Personal Loan
6.95% p.a.to 17.95% p.a.
6.95% p.a.to 17.95% p.a.based on $10,000
over 3 years
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Low Rate Personal Loan
6.75% p.a.to 8.48% p.a.
6.96% p.a.to 8.69% p.a.based on $30,000
over 5 years
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Harmoney
Unsecured Personal Loan
6.99% p.a.to 25.69% p.a.
7.79% p.a.to 26.65% p.a.based on $30,000
over 5 years
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Personal Loan
5.75% p.a.to 21.99% p.a.
6.47% p.a.to 25.11% p.a.based on $30,000
over 5 years
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Liberty
Personal Loan
7.65% p.a.to 26.99% p.a.
7.65% p.a.to 26.99% p.a.based on $30,000
over 5 years
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Jacaranda Finance
Unsecured Personal Loan (Fixed, Excellent Credit)
7.59% p.a.to 8.89% p.a.
12.24% p.a.to 13.91% p.a.based on $30,000
over 5 years
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New Car Loan (Fixed)
4.89% p.a.to 8.89% p.a.
5.44% p.a.to 9.46% p.a.based on $30,000
over 5 years
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New Car Loan (Fixed)
4.67% p.a.
5.22% p.a.based on $30,000
over 5 years
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Car Loan
5.50% p.a.
5.85% p.a.based on $30,000
over 5 years
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Wisr
Secured Car Loan
5.19% p.a.to 18.95% p.a.
6.08% p.a.to 19.91% p.a.based on $30,000
over 5 years
Promoted
CUA
Secured Car Loan (Fixed)
6.79% p.a.
7.16% p.a.based on $30,000
over 5 years
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Clean Green Car Loan
3.97% p.a.
4.51% p.a.based on $30,000
over 5 years
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Plenti
Used Car Loan (Fixed)
5.29% p.a.to 9.99% p.a.
5.84% p.a.to 10.56% p.a.based on $30,000
over 5 years
Promoted
Harmoney
Unsecured Personal Loan
6.99% p.a.to 25.69% p.a.
7.79% p.a.to 26.65% p.a.based on $30,000
over 5 years
Promoted
Alex
Personal Loan
6.95% p.a.to 19.99% p.a.
6.95% p.a.to 19.99% p.a.based on $30,000
over 5 years
Promoted
NOW FINANCE
Unsecured Personal Loan
6.95% p.a.to 17.95% p.a.
6.95% p.a.to 17.95% p.a.based on $10,000
over 3 years
Promoted
Plenti
Unsecured Personal Loan (Fixed)
6.49% p.a.to 8.99% p.a.
6.84% p.a.to 9.34% p.a.based on $30,000
over 5 years
Promoted
OurMoneyMarket
Low Rate Personal Loan
6.75% p.a.to 8.48% p.a.
6.96% p.a.to 8.69% p.a.based on $30,000
over 5 years
Promoted
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Personal Loan
5.75% p.a.to 21.99% p.a.
6.47% p.a.to 25.11% p.a.based on $30,000
over 5 years
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Liberty
Personal Loan
7.65% p.a.to 26.99% p.a.
7.65% p.a.to 26.99% p.a.based on $30,000
over 5 years
Promoted
Jacaranda Finance
Unsecured Personal Loan (Fixed, Excellent Credit)
7.59% p.a.to 8.89% p.a.
12.24% p.a.to 13.91% p.a.based on $30,000
over 5 years
Promoted
Harmoney
Unsecured Personal Loan
6.99% p.a.to 25.69% p.a.
7.79% p.a.
$0.00
Promoted
NOW FINANCE
Unsecured Personal Loan
6.95% p.a.to 17.95% p.a.
6.95% p.a.
$0.00
Promoted
Plenti
Unsecured Personal Loan (Fixed)
6.49% p.a.to 8.99% p.a.
6.84% p.a.
$0.00
Promoted
OurMoneyMarket
Low Rate Personal Loan
6.75% p.a.to 8.48% p.a.
6.96% p.a.
$0.00
Promoted
Symple Loans
Personal Loan
5.75% p.a.to 21.99% p.a.
6.47% p.a.
$10.00
Promoted
Jacaranda Finance
Unsecured Personal Loan (Fixed, Excellent Credit)
7.59% p.a.to 8.89% p.a.
12.24% p.a.
$0.00
