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ANZ Variable Rate Personal Loan

Some things to check off

  • You’re 18 years of age or older
  • You are an Australian Citizen, Australian Permanent Resident, or have a valid visa
  • You’re a sole applicant (joint applicants can apply at any ANZ branch)
  • You earn at least $15,000 per year. Please have details of your income, assets, expenses and financial commitments ready.

Have an existing ANZ Personal Loan?

  • You can continue with this application form to top up an existing variable rate loan
  • To change an existing variable rate loan into a fixed rate loan (or vice versa), you need to call us or visit your local branch.

Personal loans offer

Apply for an ANZ Personal Loan and score a 1% rate discount on all car, home reno and energy efficiency loansdisclaimer

Offer applies to select loan purposes only. Eligibility, ANZ’s credit assessment criteria, T&Cs, fees and charges apply.disclaimer

Let’s get started

Personal Information

ANZ's Privacy Collection Notice sets out how we manage your personal information.

To help protect you from fraud and minimise security risks, we're partnering with a trusted security service provider.

By continuing, you agree to ANZ and our service provider collecting behavioural information about how you use and engage with this application form - information like typing speed, browsing patterns, scrolling or swiping activity.

We will use this information, along with other relevant information we collect or may already hold, to help us detect when someone other than you is completing an application.

Family violence or financial abuse support

At ANZ, we'll support you if you're impacted by family violence or financial abuse. If at the time of this application you are experiencing family violence or financial abuse and wish to discuss your situation with us, please visit our Family Violence Support resources and get in touch.

Important information

Any information provided is general in nature and does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you. ANZ recommends you read the applicable Terms and Conditions booklets and the ANZ Financial Services Guide (PDF) before deciding whether to acquire, or continue to hold, a particular product.

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.

*If you logon using your Internet Banking customer registration number (CRN) and password, you agree that ANZ may use the personal information it already holds about you, including transaction and account information, to make suggestions and pre-populate fields in your application.

If the transaction and account information is derived from an account jointly held with another individual, we require that you show them a copy of this notice so that they can understand how ANZ intends to handle their personal information.

It is your responsibility to ensure this application is accurate, complete, and up to date before submission. If any of the pre-populated information is not correct, or will not be correct as the basis for your application (e.g. if an account is being closed as a condition of the application), please ensure your application is correct by editing the information (where possible), or contact ANZ on 13 13 14 (Monday to Friday, 8am to 8pm Sydney/Melbourne time).

To be eligible for this offer, customers must apply and be approved for a new or increase their existing Fixed or Variable ANZ Personal Loan and select one of the following as the purpose of the loan: New Fuel Car, Used Fuel Car, Hybrid Vehicle, Electric Vehicle, Home Renovation or Energy Efficient Purchases. The final interest rate (including 1% discount) will be confirmed in the Letter of Offer. This offer may be withdrawn or 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.

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