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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.
6 months to 7 years
Loan term
Choose from weekly, fortnightly or monthly repayments to suit your budget.
Simple, flexible and easy to manage
Get a decision fast
We’ll be in touch within two to three business days of receiving your application.
Flexible repayment options
Change your repayment amount, or pay it off early, with no additional charges or fees.disclaimer
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 |
|
Use this loan for whatever you need
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
We will contact you within two to three days of receiving your application.
Receive your money
Once approved, we could have the money in your account the next business day.*
*Funds must be deposited into an existing ANZ everyday account (such as ANZ Freedom or ANZ Go account).
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.
Other options
Need help?
Frequently asked questions
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 12.90% p.a., the total interest payable would be about $699. Plus a one-off application fee of $115 applies (there is no application fee for full-time tertiary students on a Jumpstart account).
Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.
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.
ReturnApplication Fee Waiver offer: Application fee waiver available from February 2020 has been extended further. Offer available for new ANZ Personal Loans and top-ups.
ReturnMinimum extra or early repayment amount applies in ANZ Internet Banking.
ReturnTertiary 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.
Return