Frequently asked questions - Personal loans

Most of us have a wish list of things we'd love to buy. We don't always have the savings or spare cash to simply go out and buy them.

With an ANZ Personal Loan or ANZ Debt Consolidation Loan, you can apply to borrow any amount from $3,000.*

Your loan can be repaid over terms ranging from just one year to seven years for ANZ Personal Loans and ANZ Debt Consolidation Loans, depending on the purpose of the loan. However, loans for tax payments have a maximum term of 12 months.

You can use an ANZ Personal Loan to pay for just about anything under the sun. Travel, a stereo, home improvements, a new car - it's your loan so it's up to you what you do with the money!

The amount you can borrow is subject to ANZ lending criteria and depends on your income, your current expenses and how much you can afford to pay. To apply for an ANZ Debt Consolidation Loan you need to be an existing ANZ customer.**

Speak to one of our ANZ loan specialists on 0800 837 123 for more information.

Please provide copies of your last two years' balance sheets/annual accounts and profit and loss statements, and copies of your personal tax return.

Contact us and we'll let you know whether you need to provide any more information.

If you provide all the information we need when you apply, you'll usually get an answer within 24 hours (if you have applied on a business day).

Once you have signed your loan documents, your money will be available straight away.

To avoid having to write out cheques or make cash deposits, we recommend setting up a regular automatic payment (AP) to make the repayments on your loan.

If you have an ANZ Personal Loan or ANZ Debt Consolidation Loan, at no extra cost you can:

• increase your regular repayment
• make extra lump sum repayments
• pay off your whole loan at any time.

You have control over your loan repayments, the opportunity to pay off your loan sooner and to reduce your total interest payments.

If you'd like to repay your loan in full, please visit any ANZ branch or phone us on 0800 837 123. Note, you may have to pay an early repayment fee.

If you are registered for ANZ Internet Banking, you can make additional payments on your ANZ Personal Loan at any stage.

If you'd like to repay your loan in full, please visit any ANZ branch or contact us.

• View current fees and charges

Loan protection insurance gives you the comfort of knowing that your minimum loan repayments are covered should you:

• be made redundant
• be declared bankrupt
• be unable to work because of disability
• die (maximum of $50,000 paid).

A premium is payable and terms, conditions, exclusions and limitations apply. Contact us for more details or for a copy of the policy document.

Estimate your loan repayments and loan protection premium for ANZ Personal Loans:

ANZ Personal Loan Repayment Calculator

No, you don't need to provide any security for an ANZ Personal Loan or ANZ Debt Consolidation Loan.

The ANZ Debt Consolidation Loan is only available to existing ANZ customers who want to consolidate their debts from other financial organisations.**

Definitely! You can consolidate your debt from other financial institutions and finance companies.

You can consolidate credit cards, overdrafts, store cards, hire purchases and other (non-ANZ) personal loans.

Yes you can!