ANZ Fixed Rate Personal Loan
Get what you want with the certainty of fixed repayments
Category: Personal Loans Last Updated April 17, 2026 Effective April 29, 2026
General Lending Rates
Rates listed below are for a FIXED P&I product. Additional Information The rate displayed is the minimum rate for the product. For information on the range of rates, please visit our Personal Loans product page, contact us on 1800 801 485 or visit your nearest branch. This comparison rate is based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only. WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Interest Rate
7.49% PA
7.49% PA
Comparison Rate
8.18%PA*
8.18%PA*
Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will vary based on the LVR and other conditions.
Product Features
- Unlimited Txns Additional Information: Unlimited ANZ deposit transactions available using ANZ Internet Banking, ANZ Phone Banking and ANZ ATMs. Also includes any deposit or transfer at ANZ branches, cheques drawn by you and any cheque or manual merchant slip deposited to your account.
- Digital Banking Additional Information: Access using ANZ Internet Banking or ANZ App
- Fraud Protection Additional Information: The product includes fraud protection features.
Product Eligibility
- Min Age - 18. Additional Information: You must be 18 years of age or older to apply
- Min Income - 15000.00. Additional Information: Earn a minimum of $15,000 per annum
- Residency Status - Be An Australian Citizen, Permanent Resident Or Have A Valid Visa.
- Other Additional Information: Sole / Joint applicant
Bank Fees and Charges
- Loan Approval Fee (Upfront), Amount: 150.00.
- Loan Administration Charge (Periodic), Amount: 10.00. Additional Information: $10 per month, charged at the end of each quarter
- Late Payment Fee (Event), Amount: 20.00. Additional Information: For ANZ Variable and Fixed Rate Personal Loans: this fee is charged for every month when all or part of the loan repayment hasn't been paid for five days or more. It's also charged every subsequent 30 days that repayments are overdue.
Limitations & Restrictions (Constraints)
- Min Limit of 5000.00
- Max Limit of 75000.00
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