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Personal loans
A loan you can use for a car, renovation, household item, holiday, special event and almost anythingdisclaimer.
The important numbers
Standard interest rate
Applies to all ANZ Personal Loans.
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.disclaimer
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 | $0 |
| Make lump sum payment | $0 (minimum extra or early repayment amount applies in Internet Banking) |
| Pay off loan | $0 |
| 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. |
| View all rates and fees |
|
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?
Eligibility
Get an ANZ Personal Loan in 3 easy steps
Apply
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
Call us
0800 837 123
Weekdays, 8am – 8.30pm
Weekends, 9am – 5pm
International: +64 4 470 3142
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.
Overdraft
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
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.
Back to topMinimum extra or early repayment amount applies in ANZ Internet Banking.
Back to topTertiary 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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