Personal loan rates, fees and agreements


The following information is current from loading product data(View current rates) and is subject to change.

Personal Loans Fixed Rate
Loan amount Rate
$3,000 - $40,000* loading product data(View current rates)
For a limited time for new ANZ Personal Loans^

If you do not pay amounts when they are due, we can charge you interest on those amounts at the default
rate, which is your interest rate + 5.00% p.a.
A minimum loan amount of $1,000 applies to eligible Jumpstart customers. 
^This is a special rate for a limited time and cannot be used in conjunction with any other benefits, offers or package discounts.


Fee type ANZ Personal Loan ANZ Jumpstart account*
Application fee
(for new and top up applications)
$115 Waived

ANZ lending criteria, terms, conditions, and fees apply to ANZ personal loans.

*If applying for lending benefits only available to tertiary students on the ANZ Jumpstart account, you must be enrolled at and provide proof of full-time study at a government-recognised tertiary institution or a NZQA approved language school. When applying for lending benefits you must have a minimum of six months remaining on your course.



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