ANZ
ANZ Variable Rate Personal Loan
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
Personal loansBank updated 15 Sept 2026
At a glance
- Variable
- 7.49% · 8.18% comparison
- Loan size
- $5,000 to $75,000
- Upfront fee
- $150
- Monthly fee
- $10
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThe 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. T… | P&I | — | — | 7.49% | 8.18% | — |
| VariableThe rate displayed is the maximum rate for the product. 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… | P&I | — | — | 21.99% | 22.56% | — |
§ 02 — Fees · 3
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| 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 3… |
| Loan Administration Charge | Periodic | $10 | Every 1 mo | $10 per month, charged at the end of each quarter |
| Loan Approval Fee | Upfront | $150 | — | — |
§ 03 — Features
RedrawExtra repaymentsDigital bankingFraud protectionUnlimited transactions
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Be an Australian citizen, permanent resident or have a valid visa
- · Minimum income $15,000
- · Amount $5,000 to $75,000
- · Sole / Joint applicant
§ 06 — Run the numbers
Put this product through a calculator
Published by ANZ under the Consumer Data Right, last changed by them on 15 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.