Personal loans

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

personal loans

The important numbers

Special fixed interest rate for a limited time only

Rate is unavailable

%P.A

Only loans applied for prior to the special offer end date of 24 June 2022, will be eligible.

Rates can change. ANZ lending criteria and terms apply. 


Simple, flexible and easy to manage

Rates and fees

Rate and fee

Special 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

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.

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

From overseas: +64 4 470 3142

Other options

lady at cafe

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

ANZ lending criteria, terms and conditions apply. Interest rates and fees are subject to change. Read more about our Rates, fees and agreements.

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.