Personal loan rates, fees and agreements



The following information is current from  and is subject to change.

Personal loans fixed rate

Amount or rate


$3,000 - $50,000*

Interest rate

% p.a.

We calculate interest daily, and either charge it to your loan or to an ANZ account (depending on the repayment type on your loan) monthly in arrears on the first business day of the month. If you do not pay amounts when they are due, we can charge you interest on those amounts at the default rate, which is your interest rate + 5.00% p.a.

We calculate interest on the amount you owe on your loan daily, and charge it to your loan monthly in arrears on the first business day of the month. See our ANZ Personal Loan Terms and Conditions (PDF 104KB) for details.

*A minimum loan amount of $1,000 applies to eligible Jumpstart customers.


Minimum extra or early repayment amounts

  • Requested in internet banking: $100*
  • Staff assisted (including Contact Centre and branch): No minimum applied
  • Request via secure Bank Mail* in ANZ Internet Banking: No minimum applied

* You can repay your loan in full at any time. Please call us on 0800 837 123 or visit any branch to arrange full repayment.


Application fee (for new and top up applications)


ANZ lending criteria, terms and conditions apply to ANZ personal loans.

Want to know more?

From overseas: +64 4 470 3142