{
  "source": "https://api.anz/cds-au/v1/banking/products/cbb832c8-9f1e-443f-99ed-da407a384f86",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "eligibilityUri": "https://www.anz.com.au/personal/personal-loans/fixed-rate/?CID=af:obank:pl#eligibility",
      "feesAndPricingUri": "https://www.anz.com.au/personal/personal-loans/fixed-rate/?CID=af:obank:pl#rates",
      "overviewUri": "https://www.anz.com.au/personal/personal-loans/fixed-rate/?CID=af:obank:pl",
      "termsUri": "http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:pl"
    },
    "applicationUri": "https://www.anz.com.au/personal/personal-loans/",
    "brand": "ANZ",
    "cardArt": [],
    "description": "Get what you want with the certainty of fixed repayments",
    "isTailored": false,
    "lastUpdated": "2026-04-17T03:00:00.000Z",
    "name": "ANZ Fixed Rate Personal Loan",
    "productCategory": "PERS_LOANS",
    "productId": "cbb832c8-9f1e-443f-99ed-da407a384f86",
    "bundles": [],
    "constraints": [
      {
        "additionalValue": "5000.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalValue": "75000.00",
        "constraintType": "MAX_LIMIT"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "additionalInfo": "You must be 18 years of age or older to apply",
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalInfo": "Earn a minimum of $15,000 per annum",
        "additionalValue": "15000.00",
        "eligibilityType": "MIN_INCOME"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/personal/personal-loans/faqs/#visa?CID=af:obank:pl",
        "additionalValue": "Be an Australian citizen, permanent resident or have a valid visa",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalInfo": "Sole / Joint applicant",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Unlimited ANZ deposit transactions available using ANZ Internet Banking, ANZ Phone Banking and ANZ ATMs. Also includes any deposit or transfer at ANZ branches, cheques drawn by you and any cheque or manual merchant slip deposited to your account.",
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "additionalInfo": "Access using ANZ Internet Banking or ANZ App",
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/internet-banking/personal/?CID=af:obank:pl",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "The product includes fraud protection features.",
        "featureType": "FRAUD_PROTECTION"
      }
    ],
    "fees": [
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "150.00"
        },
        "name": "Loan Approval Fee"
      },
      {
        "additionalInfo": "$10 per month, charged at the end of each quarter",
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Loan Administration Charge"
      },
      {
        "additionalInfo": "For ANZ Variable and Fixed Rate Personal Loans: this fee is charged for every month when all or part of the loan repayment hasn't been paid for five days or more. It's also charged every subsequent 30 days that repayments are overdue.",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "20.00"
        },
        "name": "Late Payment Fee"
      },
      {
        "additionalInfo": "Early repayment cost is not a fixed value.  It's dependant on lending amount and remaining fixed term.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/fixed-rate-personal-loans-early-repayment-cost.pdf?CID=af:obank:pl",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "feeType": "OTHER",
        "name": "Early Repayment Cost",
        "variable": {}
      }
    ],
    "lendingRates": [
      {
        "additionalInfo": "The rate displayed is the minimum rate for the product. For information on the range of rates, please visit our Personal Loans product page, contact us on 1800 801 485 or visit your nearest branch. This comparison rate is based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only. WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalValue": "P7Y",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0818",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0749",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": []
      },
      {
        "additionalInfo": "Fixed Rate Loan Maximum Rate Minimum 12 Month(s) Maximum 84 Month(s) Applied on Whole Balance The rate displayed is the maximum rate for the product. For information on the range of rates, please visit our Personal Loans product page, contact us on 1800 801 485 or visit your nearest branch. This comparison rate is based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only. WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalValue": "P7Y",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.2058",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.1999",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": []
      }
    ]
  }
}