ANZ
ANZ Fixed Rate Personal Loan
ANZ · pers loans
Provider last updated this product 2026-09-14.
Go to provider
You'll complete your application on
ANZ's website. Confirm the rate and fees with them
before applying.
Get what you want with the certainty of fixed repayments
As published by the lender
- Headline rates - from 7.49% to 21.99%The lender publishes several headline rates; which one applies is the lender's decision.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| FIXED | 7.49% | 8.18% | OTHER | PRINCIPAL AND INTEREST | 84 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 21.99% | 22.56% | OTHER | PRINCIPAL AND INTEREST | 84 months | - | calculated daily, paid monthly |
| Fixed Rate Loan Maximum Rate Minimum 12 Month(s) Maximum 84 Month(s) Applied on Whole Balance The rate displayed is the maximum 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. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Loan Approval Fee | UPFRONT | $150 | - |
| Loan Administration Charge | PERIODIC | $10 | $10 per month, charged at the end of each quarter |
| Late Payment Fee | EVENT | $20 | 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. |
| Early Repayment Cost | OTHER | - | Early repayment cost is not a fixed value. It's dependant on lending amount and remaining fixed term. |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 7.49% | 8.18% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18You must be 18 years of age or older to apply
- min income - 15000.00Earn a minimum of $15,000 per annum
- residency status - Be an Australian citizen, permanent resident or have a valid visa
- otherSole / Joint applicant
Limits
- min limit - 5000.00
- max limit - 75000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-14T14:01:00.000Z · Product ID: cbb832c8-9f1e-443f-99ed-da407a384f86