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

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Yes Variable rate

Yes Extra repayments allowed at 
     no extra cost1.

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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 down3
  • Offers you the certainty of knowing what your repayments are for the fixed period
  • Safeguards you against increasing interest rates
  • Assists with budget management
  • Minimum loan amount: $5,000
  • No maximum loan amount set
  • Loan term: From 1 to 7 years (your choice)
  • Flexible repayment options of weekly, fortnightly or monthly
  • ANZ Loan Protection4: 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 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: $30, charged every three months, for the previous three months
Interest Rates
  • Interest rate from 

loading product data(View current rates)

  • Interest rate from 

loading product data(View current rates)3


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

4. 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.

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.

A Comparison Rate Schedule is available at any ANZ branch or view it online ANZ Comparison Rate Schedule (PDF 64kB)



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