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Got a wish list, but don't want to wait? With an ANZ Personal Loan you might be able to buy what you want - now!
You can borrow any amount over $3,000 and spread your payments to suit your budget. And you don't have to be a current ANZ customer.
Note ANZ lending criteria and fees apply. Please read our loan terms and conditions (PDF, 84kb) before applying for your loan.
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You can use your ANZ Personal Loan to pay for just about anything under the sun. Whether it's for travel, a stereo, home improvements or a new car, it's your loan - what you do with the money is up to you!
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Variable (view our current rate).
Please note, interest rates are subject to change.
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$200.00
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You can apply to borrow any amount from $3,000.
If you need less than $3,000, an ANZ credit card may suit you better.
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You can structure your loan to suit your needs, with repayment terms ranging from one to seven years depending on the loan's purpose. However, loans for tax payments, have a maximum term of one year.
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You have the option of weekly, fortnightly or monthly payments to suit your budget.
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For no extra cost, and at any time you like, you can pay off your loan sooner (and save on interest) by: - increasing your regular payment amount
- making extra one-off payments
- paying off your whole loan.
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If you've made early or additional payments on your loan, you can apply to redraw the available funds (as specified in your loan agreement).
The minimum redraw amount is $500 and a $25 redraw fee applies to each redraw transaction.
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Loan Protection Insurance gives you the reassurance of knowing that your minimum loan payments will be covered if you:- are made redundant
- are declared bankrupt
- are unable to work because of disability
- die (to a maximum of $50,000).
To work out the premium for your Loan Protection Insurance, use our Personal Loan Repayment Calculator - when you estimate your loan repayments it also calculates the insurance premium.
For more information on the premiums, terms, conditions, exclusions and limitations for Loan Protection Insurance, visit any ANZ branch or phone us on .
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You don't need to be an existing ANZ customer to have an ANZ Personal Loan.
However, if you're not an ANZ customer you'll need to provide some additional information, including:- some identification: two forms of photo ID (your passport, driver's licence, firearms licence, official Government photo-ID card or another bank's photo-ID card), or one form of photo ID and one form of non-photo ID
- verification of your address (with a current bank statement, rates notice, tax assessment or power, phone or gas bill).
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Special deals are available for Students and Graduates.
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