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
8.99% p.a. fixed
9.88% 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 11 May 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
10.50% p.a.variable
11.38% 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 11 May 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.
Only wanted a few dollars for a week to pay bond changing house told me I would have to borrow 5,000 so went with that all the drama never had this before never do it again and they didn’t give me any respect been with them for years. I never even received an answer if I was accepted very very poor.
Read full reviewOnly wanted a few dollars for a week to pay bond changing house told me I would have to borrow 5,000 so went with that all the drama never had this before never do it again and they didn’t give me any respect been with them for years. I never even received an answer if I was accepted very very poor.
I just do not think that ANZ is very accessible, it takes a long time to get through to talk to anyone and there seems to be a few things that we cannot do online or cannot do in the branch
Read full reviewI just do not think that ANZ is very accessible, it takes a long time to get through to talk to anyone and there seems to be a few things that we cannot do online or cannot do in the branch
I went to an appointment for information on a personal loan. The lady who was my appointed advisor was rude and said I need to check with the credit rating head office. She was not interested in the appointment with me and she didn't offer me one bit of information about the loan at all. She didn't ask to look at my paperwork and she was completely detached from my whole appointment. It was a waste of time to make the appointment and to take time off work to go to it. I will never ask for help again from ANZ.
Read full reviewI went to an appointment for information on a personal loan. The lady who was my appointed advisor was rude and said I need to check with the credit rating head office. She was not interested in the appointment with me and she didn't offer me one bit of information about the loan at all. She didn't ask to look at my paperwork and she was completely detached from my whole appointment. It was a waste of time to make the appointment and to take time off work to go to it. I will never ask for help again from ANZ.
Excellent customer service in all areas. Highly skilled phone staff. Incredibly fast personal loan approval ($48000 towards my new preowned vehicle) for existing customer with a recent homeloan approval. Personal loan interest rates are seriously shabby and can be beaten elsewhere but if you get the (higher) variable option, you can pay it down hell for leather; they are quite flexible with their lending products. And their customer service is exemplary in my opinion. Just choose your products wisely and don't hock yourself to the eyeballs. Very convenient for existing customers. Good for female borrowers, whether working, retired, pensioners etc.
Read full reviewExcellent customer service in all areas. Highly skilled phone staff. Incredibly fast personal loan approval ($48000 towards my new preowned vehicle) for existing customer with a recent homeloan approval. Personal loan interest rates are seriously shabby and can be beaten elsewhere but if you get the (higher) variable option, you can pay it down hell for leather; they are quite flexible with their lending products. And their customer service is exemplary in my opinion. Just choose your products wisely and don't hock yourself to the eyeballs. Very convenient for existing customers. Good for female borrowers, whether working, retired, pensioners etc.
Not a bad bank although access and customer service not great. Personal touch requirements needed, not robots.
Read full reviewNot a bad bank although access and customer service not great. Personal touch requirements needed, not robots.
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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