ANZ Personal Loan Review
ANZ Fixed Rate Personal Loan Offer
Need to combine your credit card balances or loans into a single consolidated loan? Want the certainty of knowing what your repayments will be each month?
A fixed rate loan could help you streamline your finances and safeguard against possible future interest rate increases.
ANZ are offering:
- fixed rates from 13.95% p.a. (comparison rate* from 17.07% p.a.) on their Fixed Rate Personal Loans
Features of an ANZ Fixed Rate Personal Loan:
- Borrow loan amounts from $5,000 no maximum loan amount set.
- Loan terms from 1 to 7 years – so you can tailor the loan to suit your needs.
- Weekly, fortnightly or monthly repayment options – whatever suits your budget.
- Fixed interest rates from 13.95% p.a. (comparison rate* from 17.07% p.a.).
- ANZ Loan Protection** – Optional insurance cover.
ANZ variable Rate Personal Loan Offers
This loan product can be used for just about anything you need from renovating your home to purchasing a vehicle, or consolidating your debts.
Features of an ANZ Variable Rate Personal Loan
- Borrow loan amount from $5,000 and there is no maximum amount.
- The term limit is anywhere from one to seven years.
- The interest rate is from 13.99% per annum with a comparison rate from 18.10% per annum.
- ANZ Loan protection is available to provide for your loan repayment should your income be disturbed unexpectedly.
Click here to apply for the ANZ personal loan
*These comparison rates are based on a $10,000 Personal Loan for a 3 year term. This rate is applicable for unsecured loans only. 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 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.
**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.
ANZ Personal Loans Review
An ANZ personal loan can give you plenty of options for keeping your finances under control. Competitive interest rates along with flexible loan terms mean you can tailor your loan to suit your own budget and payment preferences.
ANZ also offers you the freedom to make extra repayments off your personal loan at any time. This can help you repay the amount you borrowed faster and reduce the amount of interest you pay on your loan.
Some people find that having various credit cards, store cards and personal loans at the same time can make it difficult to keep up with when repayments are due. This increases the chance of falling behind and being hit with expensive penalties.
Types of ANZ Personal Loans
| Personal Loan | Details | Min Interest Rate | Min Comparison Rate | Min Loan Amount | Min Loan Terms | Apply Fee | |
|---|---|---|---|---|---|---|---|
ANZ Fixed Rate Personal Loan |
ANZ Fixed Personal Loan – a convenient and fast way to attain your desires and requirements with affordable rates and fees. | 13.95% | 17.07% | $5000 | 1 year | $150 |   |
ANZ Variable Rate Personal Loan |
ANZ Variable Personal Loan – pay off the loan faster with the freedom to increase your repayments at any time and save money. | 13.99% | 18.10% | $5000 | 1 year | $150 | |
Apply for an ANZ personal loan to roll your debts into one convenient loan. This can save you money and make it easier to streamline your finances.
You might want to update your car to something a little more reliable, or perhaps update the kitchen or bathroom to update the look and functionality of your home. Maybe you just want to take that long overdue holiday.
No matter what the reason, an ANZ personal loan can help you get the things you want now without stretching your finances.
Flexible and Convenient ANZ Personal Loan Features
- Competitive interest rates: Find out more about ANZ’s current personal loan interest rates
- Loan term from 1 ‚ 7 years (borrow from $5,000): Spread your loan repayments over the period that best suits your needs and budget
- Weekly, fortnight or monthly repayments: Choose the repayment schedule you find most convenient
- A range of repayment options: Make repayments via Internet banking, phone banking, an automatic repayment from your bank account, or at any ANZ branch
Applying for an ANZ Personal Loan
You can apply for your ANZ personal loan online, using ANZ’s secure online application form. Your details are always kept completely confidential on their secure system. The benefit to applying online is that you could have your approval within 60 seconds.
You’ll need to be over 18 at the time of your application and you’ll need to be an Australian Citizen or permanent resident of Australia to qualify. You may also need to provide income verification documents, such as pay slips or tax returns, to show that you earn more than $20,000 per year.
When you’re filling out the easy online application form, you’ll be asked to enter your full name, date of birth, address and contact details. You may also be asked to provide your employer’s address and contact details as well. To help ANZ to identify you, you’ll be asked to enter your Driver’s Licence number into the application form.
Once you’ve filled in the amounts of your current assets and liabilities, including any monthly repayments you make on any outstanding debts right now, you’re almost ready to submit your application.
Take a moment to go back through your application and make sure everything is filled out. If you miss any information, this could delay your response. However, if you’ve filled in everything you can, you could find you have your conditional approval for an ANZ Personal Loan within 60 seconds.
Featured Personal Loans
| Personal Loan | Details | Min Interest Rate | Min Comparison Rate | Min Loan Amount | Min Loan Terms | Apply Fee | |
|---|---|---|---|---|---|---|---|
 ME Bank Personal Loan | A low rate personal loan from ME Bank with no application fee for a limited time. | 13.59% | 13.81% | $5000 | 1 year | $0 | |
 Aussie Personal Loan | A smart way to consolidate your bills to save time and money so you can pay for your holiday, a wedding or renovate the house. | 13.90% | 14.84% | $3000 | 1 year | $199 | |
 Sugar Money Personal Loan | Fixed rate personal loan with flexible options to get you funds when you need it. | 13.99% | 15.00% | $3000 | 2 years | $250 | |
 bankmecu Personal Loan | A convenient and fast way to purchase a car or debt consolidation with affordable rates and fees. | 13.49% | 14.55% | $1000 | 1 year | $150 | |
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