Debt Consolidation

Do you have multiple credit card or store card debts? ANZ could help you with your debt consolidation, and you could benefit from having just one regular repayment to manage.

  • You can work out a payment plan that suits your situation
  • Know when you’ll have your debt paid off with a choice of flexible loan terms

ANZ can show you how easy it is to help manage your budget with one loan to consolidate your debt and just one regular payment.

Which loan type is best for me?

Loan Features Variable Loan Fixed Loan
Different Features

Apply now

Yes Variable rate

Yes  Extra repayments 
 allowed at no 
      extra cost1.

Apply now

Yes Fixed rate

Yes Extra repayments 
 allowed but fees 
      and charges apply.

  • 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 arose2
  • Pay off your loan faster if interest rates go down1
  • Offers you the certainty of knowing what your repayments are for the fixed period
  • Safeguards you against increasing interest rates
  • Assists with budget management
  • Borrow from $5,000 up to a maximum of $75,000
  • Loan term: From 1 to 7 years (your choice)
  • Flexible repayment options of weekly, fortnightly or monthly
  • ANZ Loan Protection3: 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.
  • Existing eligible ANZ customers may access funds on the same day as approval6.
Additional Repayments Yes  Yes. You have the 
 freedom to make
      extra re-payments 
      at no extra cost1.
Yes  Yes. Fees and charges apply.
Redraw Facility Yes Yes. Redraw allows you to access
     additional loan
     payments you have
Not available
Fees 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
Interest Rates
  • Interest rate from 

loading product data(View current rates) 4

  • Interest rate from 

loading product data(View current rates)4


Apply now
Apply now

Applying for an ANZ Personal Loan is now even easier

Apply online

Apply online 

Apply online and receive a response in only 60 seconds. Apply now.

Call us today

Call us today

Call a loan specialist now on 1800 339 410, Monday to Friday, 8am to 8pm (AEST). 

What you need to apply

What you’ll need to apply

Find out about personal loan eligibility and what you’ll need to apply.

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. Terms and conditions apply.

3. 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.

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

5. 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.

6. 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.