Personal loans

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

Understanding personal loans

Before you borrow money, take some time to think about:

  • Is a personal loan right for you?
  • How much to borrow?
  • Tips to pay off your loan
  • Support if you face financial stress
  • Joint loans, and what happens if someone can’t or won’t pay.

Simple, flexible and easy to manage

The important numbers

Get an ANZ Personal Loan in three easy steps

Check your eligibility


To apply for an ANZ Personal Loan, you'll need to: 

  • Be at least 18 years old
  • Receive a regular income
  • Have enough money left over, after your expenses, to meet your loan repayments. You can work out your repayments using our repayments calculator
  • Be a New Zealand citizen, permanent resident or, if a non-resident, have a work visa issued for two years or longer with at least one year left
  • Be able to prove your identity and earnings.

If you’re a tertiary student, you’ll also need to:

  • Be studying full-time at a government-recognised tertiary institution or a NZQA-approved language school with at least six months left on your course
  • Be a New Zealand citizen or permanent resident. Personal loans are not available for international students
  • Have any income, student allowance or student loan credited to your ANZ account.

Additional lending criteria may apply

We’ll discuss this with you during your application process.

How to apply for a personal loan

From overseas: +64 4 470 3142

Details to have handy

  • Details of your income, expenses, assets and debts.
  • Your ANZ customer number.

Once you have submitted your application we will contact you for more information.

Interest on your loan


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.

Default interest

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

Other options

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.

Important information

Interest rates are subject to change. Lending criteria and terms apply to all ANZ Personal Loans. See Rates, fees and agreements.

This is for information purposes only. Please talk to us if you need financial advice about a product or service. See our financial advice provider statement (PDF 39.8KB) for more information.