ANZ’s personal loan product stands out for its flexibility, competitive rates, and ease of application. One of the key advantages is the choice between a fixed or variable interest rate, allowing borrowers to select an option that best suits their financial situation. The fixed-rate loan provides certainty in repayments, making budgeting easier, while the variable rate offers the potential for savings if interest rates decrease. The application process is straightforward, with online tools that allow for quick pre-approval and loan calculations. ANZ also provides the option for extra repayments on variable loans, helping reduce interest costs over time. The ability to redraw extra repayments (for variable loans) is another plus, offering financial flexibility if needed. Additionally, the loan terms range from 1 to 7 years, giving borrowers control over their repayment period. Customer service is also reliable, with support available through online banking, branches, and phone assistance. Overall, ANZ’s personal loan product is a great choice for those looking for competitive rates, repayment flexibility, and a seamless application experience.
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Likes: User-friendly app with great features like spending insights and instant transfers. Convenient branches and ATMs across Australia. Strong security measures for peace of mind. Dislikes: Fees can be high, especially for international transactions. Long wait times for customer service. Interest rates on savings accounts aren’t the most competitive.
More Commonwealth Bank personal loan customer reviewsAnz is a very reliable and safe bank with a new feature called ANZ PLUS. Which is a more safer and secure bank account. Great interest rates for long term investment. Would recommend to anyone. Everytime I have dealt with this bank I’ve always had an immaculate and easy experience with customer service.
More ANZ personal loan customer reviewsTrusted bank, easy to use. Customer service was lacking when I called for assistance one time as the lady on phone was quite rude. Otherwise no other issues
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Easy application process and quick turnaround.
More NAB personal loan customer reviewsI live in a remote area 1hr 45 minutes to the closest Nab Branch. Everything is straight forward and easy to understand and navigate online. Virtual help is very thorough and helpful.
More NAB personal loan customer reviewsI have found banking with CBA pretty good. Our local branch has limited hours but fantastic customer service. I am happy with my personal loan and the benefits it includes. I fi d it value for money and love the Netbank App
More Commonwealth Bank personal loan customer reviewsI went through a organisation called NILS that assisted for people who've received Government income (law income categories). This company NILS Link with NAB (National of Australian Bank). National Australian Bank and NIL'S Organisation has provided the needs for my family life stress less with needing car with personal loan interest free as nessasity . National Australian Bank great.
Easy process and bank representatives were willing to help out. St George gave me a go with my personal loan application compared to other banks.
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Customer service needs improving. Not real helpful in financial crisis or emergencies. Vague description of products and services
More Bendigo Bank personal loan customer reviewsPrompt! Straight forward Information was easy to understand
More ANZ personal loan customer reviewsSt.George Bank – Secured Personal Loan Review I’ve had an overall positive experience with St.George Bank’s secured personal loan, but there are a few considerations potential borrowers should be aware of. Pros: -Competitive Interest Rates: St.George offers reasonably competitive interest rates compared to other providers, particularly if you’re able to secure the loan with a high-value asset like a vehicle. -Flexible Repayment Options: I appreciated the option to choose between weekly, fortnightly, or monthly repayments. This flexibility made it easier to align payments with my income schedule. -Convenient Online Application: The application process was straightforward and easy to complete online. I received a decision quickly, which was great for planning. -Early Repayment Option: Being able to pay off the loan early without penalty was a significant benefit for me as it helped reduce the total interest paid. Cons: -Fees: While the interest rates are competitive, the upfront and ongoing fees can add up. There’s an application fee, and if you make certain changes to your loan, you might encounter additional costs. -Asset Requirements: The requirement to use a secured asset like a car might not suit everyone, especially those who don’t own a qualifying asset. -Customer Service Wait Times: While the staff were helpful, the wait times for phone support were longer than I’d hoped. This could be frustrating for those needing immediate assistance. Tips for Potential Borrowers: -Make sure to review all the fees and conditions carefully to avoid surprises. -If you plan to pay off the loan early, confirm that there are no penalties specific to your loan agreement. -Ensure the secured asset meets the bank’s criteria before applying, as this can save time and effort. Overall, St.George Bank’s secured personal loan is a solid option for those who have a suitable asset and want a straightforward loan with flexible repayments. However, it’s essential to weigh the fees against the benefits to determine if it’s the right fit for your financial goals.
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Very hight acquisition rate
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They emailed my broker a reply they only get when you have gone belly up. I asked for a loan for consolidation but denied me on the 11july, same week another company done it the same day and I've saved alot. Since then My broker went through them today and they wrote a distaste full email without reason, when I have never defaulted. Never use this company.
More MONEYME personal loan customer reviewsEasy access; not bureaucratic.
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Repayment terms from 1 year to 7 years. Representative example: a 5 year $30,000 loan at 6.57% would cost $35,528.12 including fees.
Repayment terms from 2 years to 7 years. Representative example: a 5 year $30,000 loan at 6.75% would cost $35,430.23 including fees.
Repayment terms from 1 year to 7 years. Representative example: a 5 year $30,000 loan at 6.57% would cost $35,528.12 including fees.
Repayment terms from 1 year to 7 years. Representative example: a 5 year $30,000 loan at 6.57% would cost $35,278.12 including fees.
WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
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