Get the flexibility you need. Take control of your repayments whenever you like with the ANZ Variable Rate Loan.

Want to stay ahead? Make extra repayments whenever you can at no extra cost1.

Need extra cash? Use your extra repayments for whatever you like, no forms, no fees, no fuss2.

Apply now 60 second response



Pay off your loan faster and save on interest costs.1
You will have a redraw facility. You can access additional loan repayments you have made at no extra cost2.
Choose a loan term from 1 to 7 years and weekly, fortnightly or monthly repayments.
Borrow from $5,000 up to a maximum of $75,000.
Existing eligible ANZ customers may access funds on the same day as approval.4
ANZ Loan Protection3 - 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

Check your personal loan borrowing power and repayments

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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 visa7
  • 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. 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. 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. Rate as at loading product data(View current rates) and subject to change.

6. 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 

7. 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.