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Personal loans

A loan you can use for a car, renovation, household item, holiday, special event and almost anythingdisclaimer.

Apply online


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.

Calculate how much your repayments might be

Simple, flexible and easy to manage

Get a decision fast

A Personal Banker will be in touch within 1 to 2 business days.

Flexible repayment options

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

Rates and fees

Personal loans rates and fees
Interest rate


Application fee

$115 ($0 for full-time tertiary students with a Jumpstart accountdisclaimer)

For new and top-up applications

Change repayment amount


Make lump sum payment


Pay off loan


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.  

Whatever you need, from medical and dental expenses to new appliances and furniture, an ANZ Personal Loan could be a way to get it.

Already have a personal loan with us?

Ways to manage your loan


Some things to check-off and have handy when you apply.

To be eligible, you need to:

  • Be at least 18 years old
  • Be a permanent New Zealand resident, (if you don’t reside in New Zealand or you’re a non-resident with a visa, contact us).

Note: No more than two people can apply jointly.

Details to have handy:

  • Your contact information
  • Income, employment and financial details (i.e. your expenses, savings, and debts)
  • Your ANZ account number or customer number (if you have one).

Not an existing ANZ customer?

If you’re not an existing ANZ customer we may need the following additional information:

Confirmation of income:

  • if you’re a wage or salary earner you’ll need to provide one of the following, dated within the last four weeks:
    • a payslip showing year-to-date income figures
    • a payslip showing your annual base income  
    • a 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/annual accounts and profit and loss statements, and copies of your personal tax return.
  • If you have other income (e.g. rent, dividends) please contact 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, and;
  • Mail addressed to your residential address and dated within the last three months.

Get an ANZ Personal Loan in 3 easy steps


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

We’ll be in touch

A Personal Banker will be in touch within 1 to 2 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

Apply online

Apply now

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

Call us

0800 837 123

Weekdays, 8am – 8.30pm
Weekends, 9am – 5pm

International: +64 4 470 3142

Visit a branch

Find a branch

Other options to consider

ANZ Low Rate Visa

If you'd like to borrow less than $3,000, a credit card may suit you better. Or, if you’re a full-time tertiary student on a Jumpstart account you can have a limit up to $1,000.


Have comfort knowing you could access extra cash if you ever need it - and you’ll only pay interest when you use it.

Frequently asked questions

Help and support 

See all help and support articles

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

The ANZ Personal Loan interest rate is currently 17.95% p.a. (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 17.95% p.a., the total interest payable would be about $988. 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 for rent, power, groceries and other monthly expenses, consider an ANZ Low Rate Visa or Overdraft.

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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 6 months remaining on your course.

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