ANZ
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ANZ Variable Rate Personal Loan Variable
| Rate | 7.49% |
| APR | 8.18% |
| Currency | AUD |
Whether you're looking to buy a new car, take a holiday, renovate your home or you want to consolidate debt, we could help you with an ANZ Variable Rate Personal Loan
DIGITAL_BANKING : Access using ANZ Internet Banking or ANZ App
EXTRA_REPAYMENTS : 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 : The product includes fraud protection features.
OTHER : 1% interest rate discount offer for customers who apply for a new or increase their existing Fixed or Variable ANZ Personal Loan. This offer may be withdrawn and changed at any time without notice.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. Applications for credit are subject to ANZ’s credit assessment criteria.
REDRAW : 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.
UNLIMITED_TXNS : 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.
MIN_LIMIT
5000.00
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.
Loan Approval Fee UPFRONT : 150.00
ANZ DT Modified:2025-06-29
DIGITAL_BANKING : Access using ANZ Internet Banking or ANZ App
EXTRA_REPAYMENTS : 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 : The product includes fraud protection features.
OTHER : 1% interest rate discount offer for customers who apply for a new or increase their existing Fixed or Variable ANZ Personal Loan. This offer may be withdrawn and 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. Applications for credit are subject to ANZ’s credit assessment criteria.
REDRAW : 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.
UNLIMITED_TXNS : 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.
MIN_LIMIT
5000.00
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.
Loan Approval Fee UPFRONT : 150.00
ANZ DT Modified:2025-06-29
The rate of 7.49% is 7.49% higher than the average 0%. Also it is -7.49 % lower than the highest rate Updated Sep, 2025
Whether you're looking to buy a new car, take a holiday, renovate your home or you want to consolidate debt, we could help you with an ANZ Variable Rate Personal Loan
DIGITAL_BANKING : Access using ANZ Internet Banking or ANZ App
EXTRA_REPAYMENTS : 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 : The product includes fraud protection features.
OTHER : 1% interest rate discount offer for customers who apply for a new or increase their existing Fixed or Variable ANZ Personal Loan. This offer may be withdrawn and 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. Applications for credit are subject to ANZ’s credit assessment criteria.
REDRAW : 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.
UNLIMITED_TXNS : 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.
MIN_LIMIT
5000.00
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.
Loan Approval Fee UPFRONT : 150.00
ANZ DT Modified:2025-06-29
DIGITAL_BANKING : Access using ANZ Internet Banking or ANZ App
EXTRA_REPAYMENTS : 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 : The product includes fraud protection features.
OTHER : 1% interest rate discount offer for customers who apply for a new or increase their existing Fixed or Variable ANZ Personal Loan. This offer may be withdrawn and 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. Applications for credit are subject to ANZ’s credit assessment criteria.
REDRAW : 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.
UNLIMITED_TXNS : 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.
MIN_LIMIT
5000.00
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.
Loan Approval Fee UPFRONT : 150.00
ANZ DT Modified:2025-06-29
The rate of 7.49% is 7.49% higher than the average 0%. Also it is -7.49 % lower than the highest rate Updated Sep, 2025
Rate
7.49%
APR
8.18%
Currency
AUD