Fraud protection.
Now it’s personal.
ANZ Falcon® technology monitors millions of transactions every day to help keep you safe from fraud.
Falcon® is a registered trademark of Fair Isaac Corporation.
Use our personal loans borrowing calculator to get an estimate of what you could potentially borrow up to.
The borrowing power shown using this calculator is an estimate based on the income and expenses entered and the credit score you have provided. The interest rate used for the purposes of these calculations is an estimate only and is based on the credit score you have provided. These calculations are also based on an ANZ Variable Rate Loan with a loan term of seven years with monthly repayments. The borrowing power and interest rate estimates are provided for illustrative purposes only. Actual borrowing capacity and your actual interest rate may vary when you complete an application. Your loan amount and actual interest rate will be confirmed in your letter of offer once the application has been assessed and approved. This calculation does not constitute a quote, loan approval, agreement or advice by ANZ. It does not take into account all of your personal or financial circumstances. To apply for an ANZ Personal Loan you must complete an application. All applications are subject to ANZ’s credit assessment criteria. Terms, conditions, fees and charges apply.
Apply for a new ANZ Personal Loan of $10,000 or more and you could get $500 cashback.disclaimer Limited time offer.
Limited to one cashback offer per loan per customer within an 18 month period. ANZ’s eligibility and credit assessment criteria, T&Cs, fees and charges apply.disclaimer
The better your credit score, the better your personalised rate.disclaimer
Without providing an asset as security, subject to approval.
You choose the length of your loan.
In your ANZ Everyday Account if approved in branch by midday Monday to Friday.disclaimer
I need stability
Certainty your repayments won’t change even if rates increase as you’ve locked in a fixed interest rate
Things to consider
You may incur an Early Repayment Cost, which may be significant, if you make early or additional payments. See Early Repayment Costs (PDF) and Consumer Lending Terms and Conditions booklet (PDF).
Apply for a new ANZ Personal Loan of $10,000 or more and you could get $500 cashback.disclaimer
Limited to one cashback offer per loan per customer within an 18 month period. ANZ’s eligibility and credit assessment criteria, T&Cs, fees and charges apply.disclaimer
ANZ Fixed Rate LoanInterest rate range from to disclaimer (Comparison rate range to )disclaimer |
|
I prefer flexibility
Ability to make early or extra repayments, or repay your loan early, without additional costs
Flexibility to increase your loan amount (subject to credit assessment)
Access to extra money paid (redraw)disclaimer
Not applicable.
Apply for a new ANZ Personal Loan of $10,000 or more and you could get $500 cashback.disclaimer
Limited to one cashback offer per loan per customer within an 18 month period. ANZ’s eligibility and credit assessment criteria, T&Cs, fees and charges apply.disclaimer
ANZ Variable Rate LoanInterest rate range from to disclaimer (Comparison rate range to )disclaimer |
All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply. Australian credit licence number 234527.
Interest rates as at and are subject to change.
ReturnThese comparison rates are based on a $30,000 Personal Loan for a five year term. The rates are applicable for unsecured loans only.
WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.
There are various credit reporting agencies that can hold different information and you may have a credit report with more than one agency. However, ANZ uses the credit score provided by Equifax to determine the applicable interest rate, and therefore recommends that you access your credit report or credit score from Equifax or getcreditscore.com.au (who retrieve the credit score directly from Equifax) for a more accurate estimate.
ReturnCashback offer available to customers who apply for (1) a new ANZ Personal Loan of $10,000 or more or (2) an ANZ Personal Loan increase with a total loan amount of $10,000 or more, between May 15 2024 and August 15 2024. This offer may be withdrawn or changed at any time without notice. The loan must be approved, and the funds drawn down to be eligible for the cashback offer. There is a limit of one $500 cashback offer per eligible customer within an 18-month period. The cashback payment will be paid within 120 days of drawdown into the transaction account which the loan funds are disbursed into. The transaction account must be in the same name as the loan account. For joint applications, only one cashback payment will be paid in total for the application and will be paid to the first listed applicant. For joint applications, the account for funds disbursements must include the name of the first listed applicant. Applications for a joint ANZ Personal Loan or an increase of a joint ANZ Personal Loan may only be made in branch. If a customer closes their ANZ Personal Loan account or transaction account before the cashback payment is paid, they will become ineligible for this offer. Applications for credit are subject to ANZ’s eligibility and credit assessment criteria. If you have any questions about the tax treatment of the cashback offer, please discuss with a tax agent or the Australian Tax Office.
ReturnWe tailor your interest rate based on our assessment of your credit score. Where you have demonstrated good credit based behaviour, such as not opening too many credit products or making repayments on time for your other credit products, this will be reflected in your credit score and you may be offered a rate in the lower end of our range. Where your credit history isn’t as long, or as good, or you have made many applications in a short period of time, this may negatively impact your credit score and you may be offered a rate at the higher end of the range.
ReturnApplications must be submitted at an ANZ branch, and approved before noon Monday to Friday (AEST), and customers must have approved funds deposited into an existing ANZ everyday account. For a full list of eligible ANZ everyday accounts, please contact us on 1800 801 485 between 8am to 6pm (AEST) weekdays.
ReturnFixed rate personal loans aren’t for everyone and early repayment fees and charges, which may be significant, may apply if you make early or additional repayments or repay your loan early. Refer to Early Repayment Charges (PDF) and ANZ Consumer Lending Terms and Conditions booklet (PDF).
ReturnInterest rates as at and are subject to change. These interest rates may be withdrawn or changed at any time without notice and may not be available in conjunction with any other offers, packages, or promotions.
ReturnTerms and Conditions and eligibility criteria apply to ANZ Redraw. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF).
Return