| How much can I borrow? |
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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, you can apply to borrow any amount from $3,000.* |
| How long can I take out a loan for? |
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Your loan can be repaid over terms ranging from just six months to seven years for ANZ Personal Loans, depending on the purpose of the loan.
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| What can I use my ANZ Personal Loan for? |
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You can use an ANZ Personal Loan to pay for just about anything under the sun- travel, a stereo, home improvements, a new car or debt consolidation.
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| What are the criteria for being approved for an ANZ Personal Loan? |
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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. Speak to one of our ANZ loan specialists on 0800 837 123 for more information. |
| What if I'm self-employed? |
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Please provide copies of your last two years balance sheets/annual accounts and profit and loss statements, and copies of your personal tax return.
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| What if I earn other income (e.g. rent, dividends)? |
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Contact us and we'll let you know whether you need to provide any more information.
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| How long do I have to wait to get an answer to my application? |
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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).
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| How soon can I get the money if I'm approved? |
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Once you have signed your loan documents, your money will be available straight away.
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| How can I make payments? |
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You will need to deposit enough money into your loan servicing account to meet your regular repayments on the due date.
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| Can I repay the loan early, and if so, will I save money? |
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If you have an ANZ Personal Loan, at no extra cost you can:
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. |
| What fees are there? |
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| Do you offer insurance in case I lose my job or get sick? |
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ANZ Personal Loan Insurance gives you the comfort of knowing that your minimum loan repayments are covered should you:
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 personal loan insurance premium for ANZ Personal Loans: |
| Do I need to provide security? |
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No, you don't need to provide any security for an ANZ Personal Loan.
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| Can I consolidate non-ANZ debt? |
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Definitely! You can consolidate your debt from other financial institutions and finance companies.
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| What types of debt can I consolidate? |
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You can consolidate credit cards, overdrafts, store cards, hire purchases and other (non-ANZ) personal loans.
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| Can I consolidate ANZ credit cards and overdrafts? |
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Yes you can!
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More information
For more information about ANZ personal loans, contact an ANZ Customer Service Consultant:
* If you need less than $3,000 then an ANZ credit card may be more suitable for you.
ANZ lending criteria, terms, conditions and fees apply.
