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Personal loans

A loan you can use for almost anything.disclaimer It's for what you need, when you need it most. 

Pay no application fee, for a limited time.disclaimer

 

The important numbers

Standard interest rate

Applies to all ANZ Personal Loans.

 

$3,000 - $40,000

Loan amount

Minimum loan amount for eligible Jumpstart customers: $1,000.

6 months to 7 years

Loan term

Choose from weekly, fortnightly or monthly repayments to suit your budget.

Pay no application fee, for a limited timedisclaimer

Simple, flexible and easy to manage

Get a decision fast

A Personal Banker will be in touch within one to two business days.

Flexible repayment options

Change your repayment amount, or pay it off early, with no additional charges or fees.disclaimer

Rates and fees

Personal loans rates and fees
Interest rate

 

Application fee

No application fee for a limited timedisclaimer

Standard fee:  $115

$0 for full-time tertiary students with a Jumpstart accountdisclaimer

For new and top-up applications

Change repayment amount

$0  

Make lump sum payment

$0

Minimum extra or early repayment amount applies in Internet Banking

Pay off loan

$0  

If you do not pay amounts when they are due, we can charge you on those amounts at the default interest rate

Your interest rate + 5% p.a.  

View all personal loan rates, fees and agreements

Eligibility

Get an ANZ Personal Loan in 3 easy steps



Apply

Please make sure you have your details listed above on hand.

We’ll be in touch

A Personal Banker will be in touch within one to two business days to let you know if your application has been successful.

Receive your money

If approved, we can generally have the money in your account the same day.*

*To get approved funds deposited within the same day, applications must be submitted at an ANZ branch, and approved before noon Monday to Friday. For online applications, approved funds will be deposited within 48 hours. Funds must be deposited into an existing ANZ Everyday account (such as ANZ Freedom Account, or ANZ Go Account). 

How to apply


Start online

If you're new to ANZ, you'll need to visit a branch with your ID and proof of address to open your account.

Start your application

Call us

0800 837 123

Weekdays, 8am - 8.30pm

Weekends, 9am - 5pm

 

International: +64 4 470 3142

   

Visit a branch

Call 0800 269 296 to make an appointment
Weekdays, 8am - 6pm

Find a branch

   

Need help?

Frequently asked questions

Help and support 

See all help and support articles

 

A-Z review

Make an appointment with an ANZ Personal Banker for a free review of your banking to help you achieve your goals. 

ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.  

The ANZ Personal Loan interest rate is currently  (but can change) and you can pay these loans off between six months and seven years. For example if you borrowed $5,000 for two years at 13.90% p.a., the total interest payable would be about $756. Plus a one-off application fee of $115 applies (there is no application fee for full-time tertiary students on a Jumpstart account).

Personal loans cannot be used for general living expenses. To help pay rent, power, groceries and other monthly expenses, consider an ANZ Low Rate Visa or Overdraft.

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Application Fee Waiver offer: Available from 14 February 2020 for a limited time. Offer available for new ANZ Personal Loans and top-ups.

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Minimum extra or early repayment amount applies in ANZ Internet Banking.

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Tertiary students on the Jumpstart account applying for credit, must be enrolled at and provide proof of full-time study at a government recognised tertiary institution or a NZQA approved language school, and have a minimum of six months remaining on your course.

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