ANZ Variable Rate Personal Loan

ANZ Variable Rate Personal Loan

Get 1% p.a. interest rate discount when you apply for an ANZ Variable Rate Personal Loan by 12 June 20126

Whether it's for a car, renovations on your home, furniture or debt consolidation, a Variable Rate Personal Loan could be what you need.

A variable rate loan offers you the flexibility of making additional repayments and you could benefit if interest rates decrease. The more often you make repayments, the more you could save on interest and the sooner you could pay off your loan1

Apply now 60 second response

ANZ Variable Rate Personal Loan Features

Loan features Description
Benefits
  • Ability to pay off your loan faster and save on interest costs1
  • Ability to redraw on additional loan repayments you have made5 if the need arises
  • You could benefit when interest rates decrease
Features
  • Minimum loan amount: $5,000
  • No maximum loan amount set
  • Loan term: From 1 to 7 years (your choice)
  • ANZ Loan Protection2: Optional loan 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.
Redraw facility
  • Yes. Redraw allows you to access additional loan payments you have made. The minimum redraw is $5005.
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

Applying for an ANZ Variable Rate Personal Loan is now even easier

Call us today

Call us today

Call a loan specialist now on 1800 339 410, Monday to Friday, 8am to 9pm (AEST), Saturday, 9am to 4pm (AEST).

Apply online

Apply online

Submit an online personal loan application and receive a response in only 60 seconds. Apply now.

Visit any branch
Visit any branch
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. 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 loading product data(View current rates) and subject to change.

5. Terms and conditions apply.

6. Terms & Conditions apply. Offer applies to applications received by 12 June 2012.

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