ANZ Variable Rate Personal Loan
Whether you're looking to buy a new car, take a holiday, renovate your home or you want to consolidate debt, we could help you with an ANZ Variable Rate Personal Loan
- From
- 7.49%
- 8.18% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable 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. | 7.49% | 8.18% | — |
| Variable The rate displayed is the maximum rate for the product. 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. | 19.99% | 20.58% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Loan Approval Fee | Upfront | $150.00 |
| Loan Administration Charge Charged monthly · $10 per month, charged at the end of each quarter | Ongoing | $10.00 |
| Late Payment Fee 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. | Event | $20.00 |
Features
- Unlimited transactions
- Unlimited ANZ transactions available using ANZ Internet Banking, ANZ Phone Banking and ANZ ATMs.. Also includes any deposit, withdrawals (where Redraw balance is available) or transfer at ANZ branches, cheques drawn by you and any cheque or manual merchant slip deposited to your account.
- Digital banking
- Access using ANZ Internet Banking or ANZ App
- Redraw facility
- If you have an ANZ Variable Rate Personal Loan, our redraw feature allows you to access the extra money you've repaid. You could take out money you've paid above your minimum monthly repayments.
- Extra repayments
- Indicates that the product has the option to accept extra repayments without incurring additional charges (for example Buy Now, Pay Later (BNPL) or line of credit products may offer the facility to repay instalments on an adhoc basis).
- Fraud protection
- The product includes fraud protection features.
Eligibility
- Minimum age — 18 yearsYou must be 18 years of age or older to apply
- Minimum income — $15,000.00 p.a.Earn a minimum of $15,000 per annum
- Residency status — Be an Australian citizen, permanent resident or have a valid visa
- Sole / Joint applicant
Constraints
- Minimum limit — $5,000.00
- Maximum limit — $75,000.00
More Information
Published by ANZ under the Consumer Data Right · Last updated 12 March 2026 · Product ID b4f9f303-2634-4b0d-94c5-84b6a8395920 · View on CDR.gov.au