As of 18 September 2026, the ANZ Variable Rate Personal Loan has a comparison rate of 8.18% (from 7.49% advertised), ranking 74th of 212 unsecured loans tracked by BankMate and sitting 8.95 points below the unsecured market average of 17.13%. It is an unsecured variable-rate loan for car loan with fees of $10 a month. Lenders publish the lowest rate in their range; the rate offered depends on the applicant.
8.18%comparison rate p.a.
from 7.49% advertised · Unsecured · variable · car loan
Fees: $10/mo.
Rate over time
Comparison rate · lenders publish the lowest rate in their range- ANZ Variable Rate Personal Loan
- RBA cash rate
- Unsecured average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates
- Advertised rate
- from 7.49% p.a.
- Comparison rate
- 8.18% p.a.
- Rate type
- Variable
Fees
- Application fee
- None
- Monthly fee
- $10
- Annual fee
- None
- Early repayment fee
- None
- Late payment fee
- $20
Loan terms
- Loan amount
- $5,000 – $75,000
- Extra repayments
- Yes
- Early payout
- Yes
- Redraw
- Yes
- Flexible repayment frequency
- No
Eligibility
- Minimum income
- $15,000 a year
- Minimum age
- 18
About this product
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