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
Category: Personal Loans Last Updated October 31, 2024 Effective November 1, 2024
General Lending Rates
Rates listed below are for a VARIABLE product. Additional Information 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.
Interest Rate 7.49% PA
Comparison Rate 8.18%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
, VARIABLE, 19.99%
Lending Rate Type: Variable
Interest Rate: 19.99%, Comparison Rate 20.58%
Repayment Type:
Loan Purpose:
Product Features
Unlimited TxnsAdditional Information: 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 BankingAdditional Information: Access using ANZ Internet Banking or ANZ App
RedrawAdditional Information: 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 RepaymentsAdditional Information: 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 ProtectionAdditional Information: The product includes fraud protection features.
OtherAdditional Information: $250 cashback and a loan approval fee waiver (valued at $150) for customers who apply for a new ANZ Personal Loan between October 16 2024 and January 31 2025. This offer may be withdrawn and changed at any time without notice. The loan must be approved, and the funds drawn down to be eligible for the cashback offer. The cashback payment will be paid within 120 days of drawdown into the transaction account which the loan funds are disbursed into.
Product Eligibility
Min Age - 18. Additional Information: You must be 18 years of age or older to apply
Min Income - 15000.00. Additional Information: Earn a minimum of $15,000 per annum
Residency Status - Be An Australian Citizen, Permanent Resident Or Have A Valid Visa.
Other - Sole / Joint Applicant. Additional Information: Sole / Joint applicant
Bank Fees and Charges
Loan Approval Fee (Upfront), Amount: 150.00.
Loan Administration Charge (Periodic), Amount: 10.00. Additional Information: $10 per month, charged at the end of each quarter
Late Payment Fee (Event), Amount: 20.00. Additional Information: 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.