Personal loan · Unsecured · Variable
ANZ Variable Rate Personal Loan
8.18%comparison rate p.a.
from 7.49% advertised · Unsecured · variable · any purpose
16th of 84 unsecured loans
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.
Fees: $150 application · $10/mo.
- Advertised rate
- from 7.49% p.a.
- Application fee
- $150
- Loan amount
- $5,000 – $75,000
- Minimum income
- $15,000 a year
- Comparison rate
- 8.18% p.a.
- Monthly fee
- $10
- Advertised rate
- from 7.49% p.a.
- Comparison rate
- 8.18% p.a.
- Rate type
- Variable
- Application fee
- $150
- Monthly fee
- $10
- Annual fee
- None
- Early repayment fee
- None
- Late payment fee
- $20
- Loan amount
- $5,000 – $75,000
- Extra repayments
- Yes
- Early payout
- Yes
- Redraw
- Yes
- Flexible repayment frequency
- No
- Minimum income
- $15,000 a year
- Minimum age
- 18
- Residency
- Australian residents only
- ANZ Variable Rate Personal Loan
- RBA cash rate
- Unsecured average
No changes recorded for this product since tracking began on 12 September 2026.
Whether you're looking to buy a new car, take a holiday, renovate your home or you want to consolidate debt, we could help you with an ANZ Variable Rate Personal Loan
Also from ANZ: ANZ Fixed Rate Personal Loan 8.18%
As of 2 November 2026, the ANZ Variable Rate Personal Loan has a comparison rate of 8.18% (from 7.49% advertised), ranking 16th of 84 unsecured loans tracked by BankMate and sitting 2.46 points below the unsecured market average of 10.64%. It is an unsecured variable-rate loan for any purpose with fees of $150 application · $10 a month. Lenders publish the lowest rate in their range; the rate offered depends on the applicant. From the provider's Consumer Data Right feed, refreshed nightly.