ANZ Personal loan

Pay for the things you really want, or consolidate existing debt.

Apply for your ANZ Personal Loan now and you could have the cash in your account today.*


Fees, rates & features Details
Interest rate


Less than $10k :  loading product dataRates

$10k and over :  loading product dataRates


Loan Amount From $3,000.
Fees Loan approval fee (new applications): $250, Top-up fee (additional lending on existing ANZ Personal Loans): $150.
Flexible loan term 6 months to 7 years.
Repayment frequency Weekly, fortnightly or monthly.
How much will my repayments be?

Your repayments depend on how you set up your loan, including your loan term and payment frequency.

For a loan of $5,000, with a 18.95% p.a. interest rate, and the maximum seven year loan term your repayments would be around:

Repayments per week: $25

Total interest you'll pay: $4,064

Total amount you'll pay: $9,037

Increased repayments Yes, free of charge.
Extra Lump Sum Payments/Repay your Personal Loan Early Yes, free of charge.
Ways to manage your loan View balances, transactions, interest and payments through Internet Banking and ANZ goMoney.
Eligibility criteria
  • You must be over 18 years old.
  • You must be a permanent New Zealand resident.
  • No more than two people can apply jointly.
  • You must apply for $3,000 or more.
For more information FAQ


Interest rates are subject to change. If you need less than $3,000, an ANZ credit card may suit you better.

*We endeavour to transfer your ANZ Personal Loan to you as soon as possible. Same day may apply if you have an ANZ everyday account (such as ANZ Freedom Account, or ANZ Go Account ), and your loan is approved. In some cases we may need to consider your application further, or request additional information from you. This may delay a decision being made on your application.

ANZ lending criteria, terms, conditions and fees apply.

Loans range from 17.95% p.a. to 18.95% p.a. and you can pay this off between six months and seven years. For example if you borrowed $5,000 for two years at 18.95% p.a., the total interest payable would be about $1,050. Plus a one-off application fee of $250 applies.

View all ANZ Rates Fees and Agreements on the full website or in any branch.



Get in touch with a Personal Banker today.

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