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tidy up your debts

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Combine them into one ANZ Personal Loan at

13.95% p.a. 

Offer available for a limited time for new ANZ Personal Loansdisclaimer

An ANZ Personal Loan is simple and easy to manage:

  • One simple $115 loan application fee. You can even add this to your loan.

  • The interest rate is fixed for the life of the loan.

  • Make extra repayments at any time, at no cost.
  • Choose from weekly, fortnightly or monthly repayments, and loan terms from six months to seven years.

  • For a limited time, we're offering a discounted rate of 13.95% p.a.

Combine your debts calculator

Use our handy calculator to work out how much you need to borrow, what your repayments would be and the date you could clear your loan.

Calculate now


Apply for an ANZ Personal Loan online

Once approved you could have the cash in
your account the same day*.

Apply now

More about ANZ Personal Loans


You can apply to consolidate any debt that adds up to $3,000^ or more, including credit cards, hire purchases, or (non-ANZ) personal loans - and you don't have to be a current ANZ customer.


One-off loan application fee of $115 for new loans or increase or top-ups to an existing loan, which can be added to the loan amount.

Interest rates

For a limited time receive our special rate of only 13.95% p.a.

Repayment options

With weekly, fortnightly, or monthly repayment options, you can make your loan work for you. Give your debt an expiry date, with loan terms ranging from six months to seven years.

Extra repayments

You can make extra repayments on your loan whenever you like, with no penalties. This can save on interest and help you pay off your loan faster.

*Subject to you holding or setting up an ANZ everyday account (such as an ANZ Freedom Account or ANZ Go Account).

^A minimum loan amount of $1,000 applies for eligible Jumpstart customers.

ANZ lending criteria, terms, conditions and fees apply. A minimum loan amount of $3,000 applies. Loans are 13.95% p.a. for the life of the loan, and you can pay this off between 6 months and 7 years. For example, if you borrowed $5,000 for 2 years at 13.95% p.a., the total interest payable would be about $795. Plus a one-off application fee of $115 applies, which can be added to the loan amount. Interest rates are subject to change.

This is a special rate for a limited time and cannot be used in conjunction with any other benefits, offers or package discounts.

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