ANZ Variable Rate Personal Loan

General Lending Rates

Product Variations

Product Features

• Unlimited Txns Additional 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 Banking Additional Information: Access using ANZ Internet Banking or ANZ App

• Redraw Additional 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 Repayments Additional 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 Protection Additional Information: The product includes fraud protection features.

• Other Additional Information: Get $300 cashback with an ANZ Personal Loan of $15,000 or more. Cashback offer available to customers who apply for (1) a new ANZ Personal Loan of $15,000 or more or (2) an ANZ Personal Loan increase with a total loan amount of $15,000 or more. This offer may be withdrawn or changed at any time without notice. Without limiting any other provision of these terms and conditions, this offer is not available in connection with, or in addition to, any other ANZ Personal Loan offer, promotion, rebate or benefit. The loan must be approved, and the funds drawn down to be eligible for the cashback offer. There is a limit of one cashback offer per eligible customer within an 18-month period. Full terms and conditions available at anz.com.au.

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 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.

 Limitations & Restrictions (Constraints)

• Min Limit of 5000.00

• Max Limit of 75000.00