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Personal loans

A loan you can use for almost anythingdisclaimer It’s for what you need, when you need it most.

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.disclaimer

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


(minimum extra or early repayment amount applies in Internet Banking)

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.  

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?

Ways to manage your loan


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  (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 13.90% p.a., the total interest payable would be about $756. Plus a one-off application fee of $115 applies (there is no application fee for full-time tertiary students on a Jumpstart account).

Minimum extra or early repayment amount applies in ANZ Internet Banking.

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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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