ANZ review
Bank
Best suited for borrowers who want a major-bank unsecured loan up to $75,000 for a car or other purchase, priced to their credit score
Loanseekers is a broker, not a lender, and may receive commission from lenders on our panel. This does not change what you pay. See our Credit Guide.
Advertised rates
7.49% - 19.99% p.a. fixed or variable (unsecured personal loan; ANZ finances cars through its personal loans and has no secured car loan)
Comparison rate 8.18% - 20.58%*
Approval speed
Same-day cash for in-branch applications approved by midday Monday to Friday, paid into an ANZ account
Credit-profile fit
Rate personalised by Equifax credit score: strong files price at the lower end of the range, short histories or recent defaults at the higher end. Working and business visa holders may be eligible; working holiday visas are excluded. Joint applications are priced on the lower of the two scores.
Pros & cons
Pros
- Borrow up to $75,000 unsecured, no car as security
- Choice of fixed or variable rate
- Free extra repayments and redraw on variable loans
- Same-day funds for in-branch approvals by midday
- No stamp duty on personal loans
Cons
- No secured car loan product, so no security-discounted rate
- $150 approval fee plus $10 monthly administration charge
- Early repayment costs can apply on fixed rate loans
- Joint applications priced on the lower of the two credit scores
Key features
- Unsecured loans $5,000 - $75,000 over 1 - 7 years
- Fixed or variable rate; weekly, fortnightly or monthly repayments
- Free extra repayments and redraw on variable loans
- No asset security required, including for car purchases
- Option to increase a variable loan later, subject to assessment
Fees
- $150 loan approval fee
- $10 monthly loan administration charge
- $20 late payment fee, repeating monthly while repayments are behind
- Early repayment costs may apply on fixed rate loans; none on variable
Frequently asked questions
Who is ANZ best suited to?
Based on our review, ANZ is best suited for borrowers who want a major-bank unsecured loan up to $75,000 for a car or other purchase, priced to their credit score.
What are ANZ's rates?
7.49% - 19.99% p.a. fixed or variable (unsecured personal loan; ANZ finances cars through its personal loans and has no secured car loan). Rates and fees are current as at 30 July 2026 and are subject to change by the lender at any time.
What fees does ANZ charge?
$150 loan approval fee. $10 monthly loan administration charge. $20 late payment fee, repeating monthly while repayments are behind. Early repayment costs may apply on fixed rate loans; none on variable.
How fast is ANZ's approval?
Same-day cash for in-branch applications approved by midday Monday to Friday, paid into an ANZ account.
What credit profile does ANZ accept?
Rate personalised by Equifax credit score: strong files price at the lower end of the range, short histories or recent defaults at the higher end. Working and business visa holders may be eligible; working holiday visas are excluded. Joint applications are priced on the lower of the two scores.
How do I apply through ANZ?
Start a Loanseekers enquiry and we compare ANZ against 70+ lenders for your situation. The initial check does not affect your credit score, and our specialists manage the application to settlement.
See if ANZ suits your situation
One enquiry compares ANZ against 70+ lenders for your exact position. No obligation, no impact on your credit score to enquire.
This is general information only, not personal advice; we have not considered your objectives, financial situation or needs. Loanseekers is a broker, not a lender, and may receive commission from lenders on our panel. This does not change what you pay. Approval is subject to lender criteria. See our Credit Guide.
Rates and fees current as at 30 July 2026. Rates and fees are subject to change by the lender at any time.
*The comparison rate is based on the lender's published example and is true only for that example. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
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