Rating based on 3 reviews


  • Personal loans up to $50,000
  • Low-interest starting from 13.95%
  • Repayment up to 7 years

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ANZ homepage
Author ANZ. Screenshot of ANZ website.
[Accessed May 24, 2023]

About ANZ

As one of Australia’s largest and most competitive banks, ANZ offers some of the lowest-rate personal loans on the market.

It's commonly referred to as Australia’s “big four” as it's one of the top 4 banks in the country with a large market share. They operate in 34 countries and have a vast and varied network of partners across the globe. Their current Chief Executive Officer is Shayne Elliott.

A leading banking institution

They also offer the most cutting-edge and competitive banking and lending products in Australia. This includes everything from the ANZ personal loan and home loans to foreign exchange and credit cards with maximum rewards points.

Empowering financial success: ANZ's unparalleled expertise, trust, and purpose

ANZ is a leading provider of banking and financial products, serving over 8.5 million retail and business customers across more than 30 markets. Their expertise in the industry, coupled with their wide range of products and services, positions them as a trusted bank. What truly sets them apart is their people, purpose, values, and culture, which embody the spirit of ANZ.

Ensuring compliance and transparency in financial operations

Safeguarding their commitment to regulatory compliance and responsible practices

As an authorised non-operating holding company under the Australian Banking Act, ANZ Group Holdings Limited oversees its operations and ensures compliance with regulatory requirements. They're committed to maintaining a strong governance framework, adhering to international standards such as the USA Patriot Act and the Automatic Exchange of Information. Their dedication to transparency and responsible practices is evident in their ANZBGL FATCA GIIN Listing.


ANZ Services

Whether you own a business or need an everyday transactional account with all the bells and whistles, ANZ can offer you the banking and credit services that you need.

Apart from their personal, home, and car loans they also offer loans for debt consolidation, savings and transactional accounts as well as credit cards, overdrafts and insurance at competitive rates.

The fixed interest rate for an ANZ personal loan

With a fixed-rate loan from ANZ, you can rest assured that you'll not be affected by interest rate hikes and can effectively budget and plan for the life of the personal loan.  The current fixed rate interest rate is 13.95% with a comparison rate of 14.81% per annum. ANZ also offer vehicle finance which they categorise as separate from their fast loans. The rate for these loans starts from as low as 6.99%.

Unlock your financial potential with an ANZ Personal Loan

Customised rates, flexibility, and transparent terms

Their interest rate range signifies the minimum and maximum rates applicable. Your personalised interest rate will depend on their comprehensive assessment of your credit score, which will be confirmed in your Letter of Offer if approved. They provide transparency and full terms and conditions to ensure you have all the necessary information before making a decision.

An ANZ personal loan offers an array of advantages. By estimating your interest rate based on your credit score, you can gain a clearer understanding of your potential loan terms. With borrowing options ranging from $5 000 to $50 000 and repayment periods from 1 to 7 years, you have the flexibility to choose a loan that best suits your needs. ANZ provides same-day cash access when approved in-branch by midday on weekdays, empowering you to take control of your financial journey.



ANZ – Personal loan

  • Loan Type Personal loans
  • Interest Rate 13.9514.81% p/a
  • Loan Amount up to $50,000
  • Repayment 12 months to 7 years

Benefits of ANZ

  • Affordable loan terms of up to 7 years
  • Low-interest rates starting from 13.94%
  • ANZ personal loan of up to $50 000

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

They've been in the game for 150 years so they know just how their fellow Aussies like their loans

In order to apply for a personal cash loan with ANZ, you must be a resident or citizen of Australia or have the required permit.

You must be earning in excess of $15 000 per annum and be able to provide them with your driving licence or an acceptable form of identification.

Details to be provided

To apply for an ANZ personal loan you must complete an application in full and provide details including all financial details such as where you work, how much you earn and your regular financial commitments as well as provide your driving licence and account details.

Apply for credit online

Fast, convenient, and reliable ANZ personal loan approval

You can complete an online loan application on ANZ’s website and you'll receive a conditional approval in about 1 minute.

Once you’ve been conditionally approved for your personal loan you'll receive further information via email. You may also be contacted by a service agent if additional information is required. If you're approved you'll then be sent a loan contract which must be signed and returned before your loan will be credited.

All of this and more is available at your fingertips with an ANZ personal loan. They can help you to get the finance that you deserve to make your dreams and aspirations a reality.  Their friendly and knowledgeable staff is always available to answer any of your questions and ease your concerns.  

Variable-rate personal loans

Variable rate loans may be a little difficult to predict and may be unsuitable for those who have to strict to a very strict monthly or weekly budget however, they typically offer the most competitive interest rates.  ANZ currently offers a variable interest rate loan at 14.69% per annum.

The head office of ANZ

ANZ’s head office is currently located in Melbourne and they have branches scattered throughout the country. ANZ was the first bank in Australia to offer Apple and Android Pay – one of many market innovations that they were the first to adopt.

Customer Reviews & Testimonials

August 2018

ANZ has everything that I could ever want in a bank and more. From professional service to good quality products I was able to get everything sorted conveniently under one room.

Samantha M
— Perth —

October 2018

Thanks to ANZ I was able to get the loan that I needed without the fuss and the hassles. A fast online application and I was all set!

Peter M
— Canberra —

January 2019

Personal loans are now my personal favourite thanks to ANZ. With the assistance of a personal loan, I was able to regain control of my finances with a nifty debt consolidation loan!

Barbara-Ann S
— Adelaide —

February 2019

For banking with a twist, ANZ is definitely the bank to go to. They offer you the best financial deals for your circumstances and ensure that you always benefit from them. Couldn’t be happier wit...

Angela T
— Sydney —

April 2019

With the assistance of the online calculator, I was able to find the perfect repayment amount to suit my budget. Definitely a nifty piece of software!

Rebecca S
— Warwick —

ANZ Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:30 – 17:00
  • Tuesday 09:30 – 17:00
  • Wednesday 09:30 – 17:00
  • Thursday 09:30 – 17:00
  • Friday 09:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed