Fixed Loan

Get the things you want, with control and certainty.

With an ANZ Fixed Rate Personal Loan, you won't have to worry about increasing loan repayments if interest rates go up. This means you could get what you want with the assurance that you wont have to pay more than you bargained for.

Apply now60 second response

ANZ Fixed Rate Personal Loan Features

Loan Features Description
  • 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.
  • Minimum loan amount: $5,000
  • No maximum loan amount set
  • Loan term: From 1 to 7 years (your choice)
  • ANZ Loan Protection1: 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. Fees and charges apply.
Redraw Facility Not available
Fees and charges
  • Loan approval fee: $150, due when the loan is drawn down
  • Loan administration fee: $30, charged every three months, for the previous three months.
Interest Rates Interest rate from loading product data(View current rates)2
Comparison rate3 from loading product data(View current rates)
How much can you borrow? The maximum amount that you can borrow depends on a number of factors, including how much you earn, the savings you have, your other expenses such as rent and living expenses and the amounts you owe for other loans or credit cards. Calculate how much you can borrow.
Applying for an ANZ Fixed Rate Personal Loan is now even easier
Apply online

Apply online

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

Telephone icon

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. 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 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).


You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.