Get the things you want, with control and certainty

Offers you the certainty of knowing what your repayments are for the fixed loan period.
Safeguards you against increasing interest rates.
Could assist you with budget management.

Apply now 60 second response

Check your personal loan borrowing power and repayments

Check your borrowing power


Choose to make your repayments weekly, fortnightly or monthly.
Borrow from $5,000 up to a maximum of $75,000.
You can choose from a loan term from 1 to 7 years.
You can make additional repayments. Fees and charges apply.
Existing eligible ANZ customers may access funds on the same day as approval.4
ANZ Loan Protection1 - Optional insurance cover for the unexpected. If you choose ANZ Loan Protection, you may qualify for a 0.25% interest rate discount.

Use this loan to...

  • consolidate debt
  • buy a car
  • go on a holiday
  • update furniture or other household goods

Interest rates

Fees and charges


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 visa5
  • Earn a minimum of $15,000 per annum

Find out more about ANZ Personal Loan eligibility and what you'll need to apply.

How to apply

Apply online
Online - Submit an online personal loan application and receive a response in only 60 seconds. Apply now
Call us today
Call us today - Call a loan specialist on 1800 339 410. Monday to Friday, 8am to 8pm (AEST).


Important information

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

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

1. 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.

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

3. 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 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.

4. 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.

5. 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.