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Personal loans

Personal loan borrowing calculator

About ANZ Personal Loans open secondary menu
- Graduate or tertiary student
  loans
Debt consolidation
Managing your loan
What you need to apply
Personal loan calculators open secondary menu
A-Z Review

How much can I borrow with an ANZ Personal Loan?

Use this calculator to work out how much you could borrow with an ANZ Personal Loan based on your current financial situation.

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Loan Details

Are you applying by yourself, or with someone else?*

By myself With someone else

How much do you earn before tax?*

Tip: Your total earnings from all salary / wage sources.

Salary/wage*

Frequency:*

How many dependent children do you have?*

The number of children 17 years old or younger.

How many vehicles do you own?*

This helps us calculate your average expenses.

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Expenses

How much are your rent or mortgage payments?*

Tip: If this is an individual application, only provide the portion of mortage or rent that YOU pay. If this is a joint application provide the total amount you pay between you.

How much you pay:*

Frequency:*

What other expenses / living expenses do you pay?*

Tip: Electricity/gas, petrol, groceries, childcare, telephone/internet, mobile, child support payments etc. Do not include credit card or other loan repayments here.

Total amount:*

Frequency:*

Debts

Is this loan for debt consolidation?*

Yes No

If your ANZ Personal Loan is for debt consolidation, please only add any debts you have that you DO NOT wish to pay off with your loan

Fill in the details of your existing debts

Personal loan(s)

Total personal loan balance:*

Repayment amount (approximate):*

Frequency:*

Student loan(s)

Total student loan balance:*

Repayment amount (approximate):*

Frequency:*

Any other loan(s)

Total other loans balance:*

Repayment amount (approximate):*

Frequency:*

Hire purchase(s)

Total hire purchase balance:*

Repayment amount (approximate):*

Frequency:*

Credit card(s)

Total credit card balances:*

Total credit card limits:*

Overdraft(s)

Total overdraft balance:*

Total overdraft limits:*

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Please check any errors or missing information in this section before you proceed.

Apply now and get an answer within one working day.

Apply Now

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Get in touch

Call 0800 837 123to talk to a Personal Banker Request a call back Visit an ANZ branch

Things to Know

Our standard interest rates are 17.95% p.a for loans over $10,000, 18.95% p.a. for loans under $10,000.
Make extra repayments on your personal loan whenever you like - with no penalties.
Once you’ve been approved you could have the cash in your account the same day*.
There is a one-off loan approval fee of $250, which can be added to the loan amount.

Disclaimer

*Subject to you holding or setting up an ANZ everyday account (such as ANZ Freedom Account, or ANZ Go Account).

This calculator provides an estimate/illustration only and is based on the accuracy of the limited financial information provided by you. Results are based on amortised scheduled repayments with a constant interest rate for the term of the loan. This is not an offer of finance by ANZ and a full lending application will need to be completed.

The information stored in this calculator will be passed between calculators and our online application form for your convenience, but will not be stored once this session is complete unless you choose the save for later option during your session.

ANZ Personal Loans are subject to our current lending criteria, applicable fees and interest rates.

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