ANZ vs Westpac
Each lender at its lowest cost for your choices, whichever of its loans that is.
ANZ's loan costs $286 less over 5 years than Westpac's, with interest and fees.
$20,000 over five years until you say otherwise. Interest at each lender's advertised rate plus every fee it publishes. Lenders publish the lowest rate in their range; the rate you're offered depends on your circumstances.
Comparison rates are based on a loan of $30,000 over 5 years, secured or unsecured as each loan is. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Every kind of loan
What each side's lowest-cost loan of each kind comes to on $20,000 over 5 years.
As of 26 October 2026, borrowing $20,000 unsecured over 5 years, ANZ comes to $4,790 with interest and fees on its Fixed Rate (from 7.49%, comparison rate 8.18%); Westpac comes to $5,076 with interest and fees on its Unsecured (from 7.29%, comparison rate 8.69%). Figures are the lenders' published rates and fees through Open Banking, worked out on the loan above. Each row says which figure is lower; it doesn't say which loan suits you.