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ANZ Graduate Loan - Personal lending

ANZ Graduate Loan

If you are a final year student or recent graduate and a permanent Australian resident, an ANZ Graduate Loan could assist you with paying your final year study expenses, taking a well-earned holiday or even buying that new car. No repayments are required for the first year of the loan.
ANZ Graduate Loan
Loan term
From 1 to 7 years
Minimum loan amount
$5,000
Maximum loan amount
No maximum loan amount set
Repayment frequency
No repayments required for the first year of the loan. (Interest and fees are accrued and debited to the loan during the 12-month repayment deferral period).
Additional repayments
You have the freedom to increase your repayments at any time. This means you can pay off your loan faster and save on interest costs1.
Redraw facility
Not available
ANZ Loan Protection2 (optional)
Not available
Interest rate
13.90% p.a.
Comparison rate3
14.94% p.a.
Loan Approval Fee
$150
Covers application and loan establishment costs.
Loan Administration Charge
$30 quarterly fee
Eligibility

To be eligible to apply for an ANZ Graduate loan, you must be:

  • a final year student or recent graduate (within six months from final examination) and have not yet commenced full time employment
  • over the age of 18 years
  • a permanent Australian resident.
What documentation do I need to provide?

To apply for an ANZ Personal Loan, all you have to do is meet the eligibility criteria and provide details about yourself, basic financial details and evidence of your income. 

How do I apply?

It's easy to apply. Just follow these steps:

  1. Download, print and complete the application form: ANZ Graduate Loan Application Form (PDF 83kB).

    A comparison rate schedule is available at any ANZ branch. You can also view it online ANZ Comparison Rate Schedule (PDF 36kB).
  2. Return your completed application form by mail to the address shown on the form or fax it to 1800 659 938.

You can apply at any ANZ Branch.

If you have any questions, please call 1800 801 485 between 8am and 8pm (AEST) Monday to Friday and select options 1, 5, 1 to speak to one of our dedicated customer service consultants. Or if you prefer, simply send us an enquiry.

Terms and conditions available on application. Fees and charges apply.

1. A $200 Deferred Establishment Fee will apply in the event that you repay or refinance your Graduate Loan within 12 months of the date of advance.

2. ANZ Loan Protection is underwritten by ING Life Limited ABN 33 009 657 176 and QBE Insurance (Australia) Ltd ABN 78 003 191 035. Terms and Conditions apply. View insurance disclaimer and important notes.

3. These comparison rates are based on a $10,000 Personal Loan for a three year term. This rate is applicable for unsecured loans only.

WARNING: 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.

A Comparison Rate Schedule is available at any ANZ branch or view it online ANZ Comparison Rate Schedule (PDF 80kB).

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