Rating based on 42 reviews


  • Bad credit loans up to $50,000
  • Low-interest starting from 12.45%
  • Repayment up to 7 years

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ANZ homepage
Author ANZ. Screenshot of ANZ website.
[Accessed March 15, 2023]

About ANZ

ANZ is a major banking financial services provider that is helping Australians achieve their personal and business financial goals for more than 175 years, including those sourcing easy loans for bad credit.

This longevity of their financial services operations means they are building strong and lasting relationships with customers and communities. The bank caters for the needs of 8 million people in 32 countries

Get out of the debt trap for good

ANZ is proud of the fact it is a Responsible Service Provider for people wanting easy loans for bad credit and complies with rules governing the National Consumer Credit Protection Act.

The bank’s prime focus is giving its client base financial security. Its integrated approach to providing credit lending services to communities makes them a popular choice among people sourcing loans for bad credit. ANZ believes that clients in Australia deserve financial peace of mind.

Therefore, they will not turn anyone away who is trying to access a loan, despite their Bad Credit. They even help people who are battling to settle outstanding balances on debt by providing a Debt Consolidation Solution that will put them back on the financial track.

ANZ tailors loans to suit every need

ANZ has experienced professional staff on hand to help clients 24/7. They take their title as a responsible and reliable lender very seriously and work together with the client to provide them with a bad credit loan to suit their needs.

They will interview the client after the application has been received and through careful analysis of the client’s current financial standing, will come up with an easy repayment plan to suit the loan applicant’s budget.

ANZ provides clients with affordable bad credit loans to help them get out of the financial rut they are in. The company’s integrated online platform makes it even easier to apply for a loan and if all criteria are met, the money can be in the client’s bank account within a matter of hours.

ANZ Services

ANZ Services will always chip in where no one else wants to help therefore they are the go-to financial services provider for clients with a bad credit rating.

They have built their legacy on experienced, qualified staff who prescribes to the company’s ethos of being totally transparent in all their dealings with client

What bad credit loans are all about

  • Loan amounts provided up to AU$50,000
  • Interest rate from 12.45%
  • Repayment terms of 1 – 7 years
  • Unsecured loans for bad credit
  • A choice between loan options

Easy online bad credit loans

Technological innovation is at the heart of the credit service provider’s ambition to offer clients the best possible cost structure for bad credit loans. Therefore their online loan application process is designed to allow easy access to the loan of choice and to adopt a one-stop method of shopping for a loan to suit every client’s need.

Customers simply need to access the website portal and click on the loan amount needed. They have to fill in their name,  address, contact details in the fields provided and supply any documentation or other information needed for their bad credit loan.

One of ANZ’s professional staffers will respond almost immediately and work through the loan application with the client who can be sure that the loan they are choosing is in line with affordability. 

ANZ’s debt consolidation boosts 

ANZ believes that clients with bad credit ratings in Australia should be given the chance to qualify for credit even if they are in trouble with the bureau. Many Australians have outstanding credit card or store card debt due to the prevailing tough economic situation.

ANZ – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 12.45%
  • Loan Amount up to $50,000
  • Repayment 1 year to 7 years

Benefits of ANZ

  • Easy loan application
  • Quick response
  • Flexible repayment terms

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Bad credit? NO problem, ANZ can help

ANZ helps these types of clients who are overrun with bad credit by consolidating debt into one manageable whole.

Advantages of a debt consolidation loan

  • Funds can be used to pay off existing debt
  • One set of regular payments for all bad debt
  • Paying less in fees and charges
  • Lower overall interest rate compared to existing debts
  • Clearer timeline as to when to pay off debt.

Better future for bad credit loan clients 

ANZ’s core function is to offer loans at a lower cost to its clients and to build on the relationships they encounter in their business dealings. The company always strives to deliver continuous innovation designed to give Australians services that help them and their families to better their lives.  This client-centric approach means they care about their client’s well-being and can assist anyone in securing finance when no one else will offer it to them.

ANZ lives by the motto that they don’t turn anyone looking for bad credit loans Australia away – if they meet qualifying criteria. Through easy-to-use technologically advanced online platforms they are helping bad credit loan clients have a better shot at life for themselves and their families.

man holding thumbs up

ANZ is a trusted & reliable provider of bad credit loans

In our review, ANZ adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ ANZ is a registered credit provider in Australia: ACL 234527

Customer Reviews & Testimonials

August 2018

Your highly flexible loan terms made it easy to fit the repayments into my budget and quickly regain control over my finances. I was happy to have my online loan application approved so quickly e...

Leo S
— Perth —

July 2018

I dreaded answering the phone or opening my mail because I was being hounded by creditors all wanting payment. I opened credit cards to make it from month to month but when the time came to settl...

Devon P
— Waterford —

January 2019

Thank you ANZ for granting me a bad credit consolidation loan with the loan I was able to escape the debt trap I had fallen into and settle all of my credit card debt. Now I have one small manage...

Edward C
— Suny Rockland —

ANZ Contact

Physical Address

Opening Hours

  • Monday 11:00 – 15:00
  • Tuesday 11:00 – 15:00
  • Wednesday 11:00 – 15:00
  • Thursday 11:00 – 15:00
  • Friday 11:00 – 15:00
  • Saturday – Closed
  • Sunday – Closed