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Check your personal loan borrowing power in 3 steps.

  • Tell me how much I could borrow

    Get started
  • Show me repayments for

    Go

You can calculate loans between $5,000 and $100,000. For other amounts, please contact us

Special offer: % p.a off an ANZ Variable Rate Personal Loan, apply by .

During the offer period, variable interest rate from % p.a.4 (comparison rate % p.a.4)

You could get the car you want sooner with the help of an ANZ Personal Loan

You could get the holiday you want with the help of an ANZ Personal Loan

You could get the renovation you want with the help of an ANZ Personal Loan

You could get what you want soon with the help of an ANZ Personal Loan

Variable interest rate is % p.a.4 (comparison rate % p.a.4) as at .
Print

You could borrow1

$ 100,000

over

Start again

Start again or call us on 1800 339 410

  • Variable rate

    You pay

    $ 1

    Per Month

    Interest rate Special offer interest rate

    % p.a. 4

    Comparison rate

    % p.a. 4

    You get

    • Special offer: % off the variable interest rate, when you apply by
    • Interest savings if you pay off your loan faster2
    • Pay off your loan faster if interest rates go down2
    • Instant access to any extra money repaid - with no forms, no fuss and no fees.
  • Fixed rate

    You pay

    $ 1

    Per Month

    Interest rate

    % p.a. 4

    Comparison rate

    % p.a. 4

    You get

    • The certainty of knowing your payment amount3
    • Protection if interest rates go up3
    • Makes budgeting easier3

If you're already an ANZ customer, you could have the cash in your ANZ account on the same day you're approved, if you apply in branch before 12pm weekdays.

  How to apply Show more

Online

You’ll need about 30 minutes to complete this application, and you can also save it for later if you need to. Once you’re done, you’ll get a response within 60 seconds.

Please make sure you have the following information:

  • Australian Driver’s licence (if applicable)
  • Employer’s address (as listed in the White Pages)
  • Accountant’s name and contact number (if self-employed)
  • Details of your income, assets and liabilities

In order to help us identify you electronically (so that you don’t have to come to an ANZ branch), it would be good if you also had as many of these handy as possible:

  • Passport
  • Australian birth certificate
  • Medicare card

60 second response

On the phone

Call 1800 339 410, Monday to Friday, 8am to 8pm (AEST).

Please make sure you have the following information:

  • Australian Driver’s licence (if applicable)
  • Employer’s address (as listed in the White Pages)
  • Accountant’s name and contact number (if self-employed)
  • Details of your income, assets and liabilities
  • ANZ account number located on your statement (if you’re already an ANZ customer)

At a branch

Find your nearest ANZ branch

Please make sure you have the following information:

  • Australian Driver’s licence (if applicable)
  • Employer’s address (as listed in the White Pages)
  • Accountant’s name and contact number (if self-employed)
  • Details of your income, assets and liabilities

If you are a new ANZ customer, please refer to our Customer Identification Process Acceptable Identification Documents form (PDF 156kB) to find out the kind of identification documents we can legally accept.

  The fine print

  1. Interest rate
    For the purposes of this calculator, the following default interest rates are used and are subject to change:
    Fixed interest rate from: % p.a. (comparison rate3: from % p.a.)
    Variable interest rate from: % p.a.(comparison rate4: from % p.a.)
  2. Loan terms
    ANZ Personal Loans are available for periods between 1 and 7 years.2
  3. Loan amounts
    ANZ Personal Loans are available for a minimum of $5,000. This calculator has been set to a maximum of $100,000 but you can apply for a higher amount.
  4. Repayment amount
    The repayment amount shown includes the Loan Approval Fee of $150 and the quarterly Loan Administration Charge of $30.
  5. Repayment periods
    For the purposes of the calculator, months are of equal length of approximately 30 days. One year is assumed to contain exactly 52 weeks or 26 fortnights or 365 days.
  6. Important information
    All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditions are available on application. Fees and charges apply.
    1. This is an estimate of how much you may be able to borrow. It does not constitute any quote, agreement or advice. It is provided for illustrative purposes only and is based on the accuracy of information provided. It does not constitute a quote. To apply for an ANZ Personal Loan you must complete an application. If a Variable Rate Loan is selected, the interest rate will be subject to change throughout the term of the Loan.

      ANZ will not store the information provided in this calculator.
    2. A Deferred Establishment Fee will apply if you repay your Variable Rate Loan within 12 months of the date of advance.
    3. Early repayment costs apply if you repay your loan early during a fixed interest rate period.
    4. Rates as at . Interest rates are subject to change based on ANZ’s assessment of your application.

      These comparison rates are based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only.

      WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate, but may influence the cost of the loan.

      A Comparison Rate Schedule is available at any ANZ branch or view it online ANZ Comparison Rate Schedule (PDF 64kB).

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