Compare personal loans

ANZ Personal Loans offer a choice of fixed or variable personal loan interest rates as well as flexible repayment options to suit your needs. Compare personal loan features in the table below and choose the ANZ Personal Loan that could suit you best:

Compare personal loans

Key features	ANZ Variable Rate Personal Loan	ANZ Fixed Rate Personal Loan
Product overview	Whether it's for a car, renovations on your home, furniture or to consolidate your debts into one repayment, an ANZ Variable Rate Personal loan could be what you need.1	An ANZ Fixed Rate Personal Loan offers you the certainty of knowing what your repayments are for the fixed period and safeguards you against increasing personal loan interest rates.
Loan term	From 1 to 7 years
Minimum loan amount	$5,000
Maximum loan amount	No maximum loan amount set
Interest rate4	Variable	Fixed
	Interest rate from (View current rates)	Interest rate from (View current rates)
	Comparison rate3 from (View current rates)	Comparison rate3 from (View current rates)
Repayment frequency	You can choose to pay weekly, fortnightly or monthly1.
Repayment options	ANZ Internet Banking ANZ Phone Banking ANZ Mobile Phone Banking Set up automatic repayments from your ANZ account or from another financial institution. At any ANZ branch.
Additional repayments	You have the freedom to make extra repayments at any time, at no extra cost. This means you can pay off your loan faster and save on interest costs.1	Yes. Fees and charges may apply. Fees and charges
Redraw facility	Yes. Redraw allows you to access additional loan payments you have made. The minimum redraw is $500.5	Not available
ANZ Loan Protection2 (optional)	ANZ Loan Protection2 can offer you peace of mind should the unexpected happen. If you choose to protect your loan with ANZ Loan Protection, you may qualify for a 0.25% p.a. interest rate discount.
Loan Approval Fee	$150, due when the loan is drawn down
Loan Administration Charge	$30, charged every three months, for the previous three months

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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 (View current rates) and subject to change.

5. Terms and conditions apply.

6. A $200 Deferred Establishment Fee will apply in the event that you repay or refinance your Graduate Loan within 12 months of the date of advance.

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