Personal loans

Including:

• Be at least 18 years old.
• Receiving a regular income.
• Having enough money left over at the end of month, after your expenses are paid, to meet your loan repayments.
• Being a New Zealand citizen, permanent resident or if you’re a non-resident, have more than one year left on your work visa.
• Proving your identity and earnings.

Note: no more than two people can apply jointly.

• Your personal tax details, including your Foreign Tax Identification Number (TIN) if you are a tax resident of another country.
• Details of your income, expenses, assets and existing debts.
• Your ANZ account number or customer number (if you have one). 

Once you have submitted your application we may contact you to request your last 90 days of bank statements to verify your income and expenses.

If you’re a wage or salary earner you’ll need to provide your last 90 days of bank statements and maybe one of the following, dated within the last four weeks:

• Payslip showing year-to-date income figures.
  
• Payslip showing your annual base income.
• Letter from your employer on their letterhead, confirming your annual income and employment type (e.g. full or part time).

If you're self-employed, you’ll need to provide copies of:

• Your last two years' balance sheets or annual accounts.
  
• Your last two years’ profit and loss statements.
• Your personal tax return.

If you have other income (e.g. rent, dividends) please call us on 0800 837 123 to discuss what our particular requirements will be.

• Your driver’s licence or another acceptable form of ID (PDF 332KB) and;
• Mail addressed to your residential address and dated within the last three months.