An ANZ Personal Loan is a fast and convenient way to get the things you want or to pay for the things you need. You can apply for a personal loan online, over the phone or in a branch.

With flexible repayments and competitive interest rates, you can use an ANZ Personal Loan for whatever you want; debt consolidation so you have just one regular repayment, buying a car, a motorcycle or a boat, home renovation or household goods, a well deserved holiday, your dream wedding or a Graduate Loan⁵ to assist with study expenses.

Apply online for a personal loan today.

Which personal loan type is best for me?

Loan Features	Variable Loan	Fixed Loan
Different Features	Variable rate Extra repayments allowed at no extra       cost1.	Fixed rate  Extra repayments allowed but fees and       charges apply.
Benefits	Ability to pay off your loan faster and save on interest costs1 Ability to redraw on additional loan repayments you have made if the need arose6 You could benefit when interest rates decrease	Offers you the certainty of knowing what your repayments are for the fixed period Safeguards you against increasing interest rates Assists with budget management
Features	Minimum loan amount: $5,000 No maximum loan amount set Loan term: From 1 to 7 years (your choice) ANZ Loan Protection2: Optional insurance cover for when the unexpected happens. If you choose ANZ Loan Protection, you may qualify for a 0.25% p.a. interest rate discount.
Additional Repayments	Yes. You have the freedom to make extra      re-payments at no      extra cost1.	Yes. Fees and charges apply.
Redraw Facility	Yes. Redraw allows you to access      additional loan      payments you have      made. The minimum      redraw is $5006.	Not available
Fees and charges	Loan approval fee: $150, due when the loan is drawn down Loan administration charge: $30, charged every three months, for the previous three months
Interest Rates4	Interest rate from (View current rates) Comparison rate3 from (View current rates)	Interest rate from (View current rates) Comparison rate3 from (View current rates)

Applying for an ANZ Personal Loan is now even easier

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

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

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

2. ANZ Loan Protection is underwritten by OnePath Life Limited (OnePath Life) ABN 33 009 657 176 and QBE Insurance (Australia) Ltd ABN 78 003 191 035.

Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522) is an authorised deposit taking institution (bank) under the Banking Act 1959 (Cth). OnePath Life is owned by ANZ – it is the co-issuer of the product (along with QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545) but it is not a bank. Except as set out in the issuer's contract terms (including the Product Disclosure Statement), this product is not a deposit or other liability of ANZ or its related group companies. None of them stands behind or guarantees the issuers. 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 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 64kB).

4. Rates as at (View current rates) and subject to change.

5. Eligibility criteria apply. You must be a recent Graduate with an offer letter for employment in your current field of study. You need to apply within 6 months of your course completion and have not yet commenced the position stated in your letter of offer.

6. Terms and conditions apply.

7. Offer applies to applications accepted and loans drawn down by 16 January 2011 for ANZ Variable Rate Personal Loans.

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