Whether it's to buy your new car, renovate your home, go on a much needed holiday or to consolidate your debts, an ANZ Personal Loan could help you get what you want, without the wait.



ANZ Variable Rate Loan

Get the flexibility you want with a variable rate personal loan.

Apply now

  • Interest rate from loading product data(View current rates) 3
  • Comparison rate4 loading product data(View current rates)
  • You can make additional repayments at no extra cost5
  • Redraw: Yes - Instant access to any extra money repaid - with no forms, no fuss and no fees6.


ANZ Fixed Rate Loan

Offers you the certainty of knowing what your repayments are for the fixed loan period2.

Apply now

Click to expand or contractFees and charges
  • Loan approval fee: $150, due when the loan is drawn down.
  • Loan administration charge: $10 per month, charged at the end of each quarter.
Click to expand or contractPersonal loan eligibility

To meet the ANZ Personal Loan eligibility criteria, you need to:

  • be at least 18 years old
  • Be an Australian citizen, permanent Australian resident or have a valid visa7
  • Earn a minimum of $15,000 per annum


Proof of income

You may need to provide one of the following

  • Your most recent pay slips, or
  • Bank statements showing wages credited into your account for the past three months.

Existing ANZ customers do not need to provide the above documents if their wages are credited to an ANZ account.

See personal loan eligibility to find out what you’ll need to apply.

Click to expand or contractTiming
  • It takes about 10 minutes to apply online, and you can also save it for later if you need to.
  • Once you're done, you'll get a response within 60 seconds.
  • If you're already an ANZ customer, you could have the cash in your ANZ account on the same day you're approved, if you apply in branch before 12pm weekdays.

How to apply

Apply online


Apply now


On the phone

Call 1800 339 410, Monday to Friday, 8am to 8pm (AEST).

All applications for credit are subject to ANZ's credit assessment criteria.

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

1. Applications must be submitted at an ANZ branch, and approved before noon Monday to Friday (AEST). Customers must have approved funds deposited into an existing ANZ Everyday account.

2. Early repayment costs apply if you repay your loan early during a fixed interest rate period.

3. Rates as at loading product data(View current rates) and subject to change.

4. These comparison rates are based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only.

WARNING: This comparison rate applies only to the example 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.

5. A Deferred Establishment Fee will apply if you repay your Variable Rate Loan within 12 months of the date of advance.

6. Terms and conditions apply.

7. Terms and conditions apply. If you are not a permanent Australian resident, you may still be eligible to apply but will be required to meet specific visa and income verification requirements. Please visit an ANZ branch or call 1800 339 410 to discuss your application.