When you apply for an ANZ Personal Loan, you'll get a personalised interest rate based on an assessment of your credit score. Your personalised interest rate will be within the interest rate range advertised.
If you've demonstrated good credit behaviour, such as by, making repayments on time for your other credit products, not opening too many credit products, you may be offered a rate in the lower end of the advertised interest rate range.
Where your credit history isn't as good, for example it, isn't very long, shows you've defaulted on repayments for other credit products, shows you've made many credit applications in a short period of time, you may be offered a rate at the higher end of our advertised interest rate range.
If approved, we'll confirm your interest rate in your letter of offer, which you can choose to accept or not.