---
title: "ANZ Fixed Rate Personal Loan — ANZ"
description: "Personal Loans from ANZ. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/anz/products/cbb832c8-9f1e-443f-99ed-da407a384f86
source: "CDR Compare"
language: en-AU
last_updated: 2026-04-17T03:00:00.000Z
---

# ANZ Fixed Rate Personal Loan — ANZ

> Personal Loans from ANZ. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Personal Loans**

Get what you want with the certainty of fixed repayments

## At a glance

- **From:** 7.49% (8.18% comparison)

## Apply

Applications are handled by the provider: [Apply at ANZ](https://www.anz.com.au/personal/personal-loans/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 7 years (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% | — |
| Fixed · 7 years (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.) | 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 |
| Early Repayment Cost — Early repayment cost is not a fixed value.  It's dependant on lending amount and remaining fixed term. | Other | Variable |

## Features

- **Unlimited transactions** (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.)
- **Digital banking** (Access using ANZ Internet Banking or ANZ App)
- **Fraud protection** (The product includes fraud protection features.)

## Eligibility

- **Minimum age** — 18 years (You 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 from ANZ

- [Overview](https://www.anz.com.au/personal/personal-loans/fixed-rate/?CID=af:obank:pl)
- [Terms & conditions](http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:pl)
- [Eligibility](https://www.anz.com.au/personal/personal-loans/fixed-rate/?CID=af:obank:pl#eligibility)
- [Fees & pricing](https://www.anz.com.au/personal/personal-loans/fixed-rate/?CID=af:obank:pl#rates)

## Data provenance

- Published by ANZ under the Consumer Data Right
- Product ID: `cbb832c8-9f1e-443f-99ed-da407a384f86`
- Last updated by the provider: 17 April 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/anz/cbb832c8-9f1e-443f-99ed-da407a384f86
- Provider page: https://www.cdrcompare.au/brands/anz
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000006

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/anz/products/cbb832c8-9f1e-443f-99ed-da407a384f86) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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