ANZ Personal Loan
Big four Australian bank offering fixed and variable personal loans with competitive rates.
Last checked on June 11, 2026. We may earn a commission when you click through.
ANZ Personal Loan
Updated 4 months agoAPR Range
7.49–19.99%
Amount
A$5k–A$75k
Term
12–84 months
Type
personal
You'll be redirected to anz.com.au
Our Verdict
The ANZ Personal Loan offers competitive rates and flexible options, making it a solid choice for borrowers with good credit.
Best For
Ideal for those seeking a reliable loan from a major Australian bank with the option for both fixed and variable rates.
Watch Out
Interest rates can be relatively high, so it's crucial to carefully assess your repayment capacity before applying.
Full Review
The ANZ Personal Loan provides borrowers the flexibility to apply for loans ranging from $5,000 to $75,000 over terms of 1 to 7 years, appealing to a wide array of financial needs. With fixed rates starting at 7.49% p.a. and going up to 19.99% p.a., it presents competitive options for those with a high credit tier.
One of the key advantages of choosing ANZ is the bank's established reputation and extensive support network across Australia. Additionally, the ability to personalise your loan terms and repayment plans can make managing your finances easier.
However, potential borrowers should be cautious of the higher interest rates, particularly for those with lower credit ratings. It's essential to compare these rates with other lenders in the market, as some may offer lower rates for similar loan terms. Furthermore, while ANZ provides a streamlined online application process, the approval times can vary, and thorough documentation is required.
Overall, if you value stability and support from a well-known institution, the ANZ Personal Loan could be a fitting choice, but ensure that the rates align with your financial goals.
Requirements
- Australian citizen or permanent resident
- 18 years or older
- Regular income
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