Buying your next home?
See our home loan tools, articles and resources to help you explore your home loan options. We'll help you get to a good place.
Personal loans
Calculators and tools
To give you an idea of what an ANZ personal loan might look like, we’ve put together some useful calculators and tools to help you crunch your numbers.
Use our:
- Personal loan calculators to estimate, how much you can borrow and regular repayments.
- Personal loan comparison tool to choose between fixed and variable.
Your personal loan discovery in 3 steps
Tip: Using these calculators won't affect your credit score
See how much you can borrow
Estimate how much you can borrow and your personalised interest rate, based on your income, expenses and credit status.
Calculate your repayments
Estimate your regular repayments and your personalised interest rate based on your loan amount, term and credit status.
Compare personal loans
See which personal loan type suits you best by comparing fixed rate and variable rate, features and trade offs.
The borrowing calculator and repayments calculator provide estimates only and are based on the accuracy of the information provided. They do not constitute any quote, loan approval, agreement, offer or acceptance of credit by ANZ or advice.
What you'll need to crunch the numbers...
Borrowing calculator
To work out how much you can borrow, we'll ask you:
- Your regular salary amount
- Other income (eg. rental income, government payments)
- Your expenses for day-to-day living, entertainment, bills etc.
- Debt repayments like credit cards and loans
- Cost of a roof over your head (eg. rent, mortgage)
- Your credit score (eg. great, good, fair)
Repayments calculator
To work out your weekly/fortnightly/monthly repayments:
- Loan amount that you’re looking to borrow
- Loan term - how long you’d like the loan to run for, between 1 to 7 years
- Frequency of repayments – weekly, fortnightly or monthly
- Your credit status (eg. great, good, fair)
Interest rates and your credit score
How do personalised interest rates work?
When you apply for a personal loan we’ll use your credit score to determine what interest rate we can offer you. The better your credit score, the better the interest rate.
If approved, your interest rate will be confirmed in your Letter of Offer.
How to check your credit score
Your credit score (also known as your credit rating) is based on your borrowing and repayment history. It also includes how often you’ve applied for credit.
We use the Equifax credit score to determine your personalised interest rate and we recommend that you obtain your credit score from Equifax or getcreditscore.com.au to get the most accurate idea of what interest rate you may receive. Fees and charges may apply.
Explore personal loan purposes
Our personal loans can be used for just about anything. Click on a loan purpose to get some useful tips and tools. Got another reason for seeking a personal loan? We can help with that too.
Next steps
All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply. Australian credit licence number 234527.
The borrowing power calculators and repayments calculator provide estimates only and are based on the accuracy of the information provided. They do not constitute any quote, loan approval, agreement, offer or acceptance of credit by ANZ or advice. These calculators are provided for illustrative purposes only and do not take into account your personal and financial circumstances.