Personal loans
Personal loans
A loan you could use for almost anything—. It's for what you need, when you need it most.
The important numbers
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—
Rates and fees
Rate and fee | |
|---|---|
Interest rate | —— |
Application fee | $0 |
Change repayment amount | $0 |
Make lump sum payment | $0 Minimum extra or early repayment amount applies in Internet Banking |
Pay off loan | $0 |
We calculate interest daily, and either charge it to your loan or to an ANZ account (depending on the repayment type on your loan) monthly in arrears on the first business day of the month. If you do not pay amounts when they are due, we can charge you on those amounts at the default interest rate. *A minimum loan amount of $1,000 applies to eligible Jumpstart customers. | Your interest rate + 5% p.a. |
Pay no application fee
Use this loan for whatever you need
Eligibility
To get an ANZ personal loan you'll need to meet our lending criteria
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.
Details to have handy
- 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 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 not an existing ANZ customer we may need this extra information
Confirmation of income
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.
Proof of identity
- 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.
Get an ANZ Personal Loan in 3 easy steps
*Funds must be deposited into an existing ANZ everyday account (such as ANZ Freedom or ANZ Go account).
How to apply
Apply online
Apply for an ANZ Personal Loan.
Call us
Monday to Friday, 8am - 7pm
Saturday and Sunday, 9am - 5pm
From overseas: +64 4 470 3142
Visit us
Find your local branch and make an appointment to visit us.
Other options
ANZ Low Rate Visa
Overdraft
Have comfort knowing you could access extra cash if you ever need it - and you’ll only pay interest when you use it.
Flexible ways to manage your money and debts
We have a range of options to suit different needs. Whether it’s borrowing to combine debts, borrowing to pay for the things you need or having a back-up for emergencies and unexpected expenses.
Help and support
A-Z review
Make an appointment with an ANZ Personal Banker for a free review of your banking to help you achieve your goals.
Important information
ANZ lending criteria, terms and conditions apply. Interest rates and fees are subject to change. Read more about our Rates, fees and agreements.
The ANZ Personal Loan interest rate is currently 12.90% p.a. (but can change) and you 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.
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.