Personal loans

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

Pay no application fee, for a limited time.^disclaimer

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.

Pay no application fee, for a limited time^disclaimer

Apply now

Calculate repayments

Simple, flexible and easy to manage

Get a decision fast

We’ll be in touch within two to three business days of receiving your application.

Rates and fees

Personal loans rates and fees
Interest rate
Application fee	No application fee for a limited time^disclaimer Standard fee: $115 $0 for full-time tertiary students with a Jumpstart account^disclaimer 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 personal loan rates, fees and agreements

Use this loan for whatever you need

Eligibility

Who can apply?
Information to provide
Not an existing customer?

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.

Details to have handy

Your personal tax details, including your Foreign Tax Identification Number (TIN) if you are a tax resident of another country.
Details of your income, expenses, assets and existing debts.
Your ANZ account number or customer number (if you have one).

Once you have submitted your application we may contact you to request three months of bank statements as proof of your income.

If you're not an existing ANZ customer we may need this extra 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:

Payslip showing year-to-date income figures.
Payslip showing your annual base income.
Letter from your employer on their letterhead, confirming your annual income and employment type (e.g. full or part time).
Three months of statements for the bank account your income is credited to.

If you're self-employed, you’ll need to provide copies of:

Your last two years' balance sheets or annual accounts.
Your last two years’ profit and loss statements.
Your personal tax return.

If you have other income (e.g. rent, dividends) please call 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

Apply

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

We’ll be in touch

We will contact you within two to three days of receiving your application.

Receive your money

Once approved, we could have the money in your account the next business day.*

*Funds must be deposited into an existing ANZ everyday account (such as ANZ Freedom or ANZ Go account).

How to apply

Start online

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

Start your application

Call us

0800 837 123

Weekdays, 8am - 8.30pm

Weekends, 9am - 5pm

International: +64 4 470 3142

Visit a branch

Call 0800 269 296 to make an appointment
Weekdays, 8am - 6pm

Find a branch

Other options to consider

Need help?

Frequently asked questions

See all help and support articles

A-Z review

Make an appointment with an ANZ Personal Banker for a free review of your banking to help you achieve your goals.

Learn more about A-Z reviews

Important information

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 12.90% p.a., the total interest payable would be about $699. 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 rent, power, groceries and other monthly expenses, consider an ANZ Low Rate Visa or Overdraft.

Application Fee Waiver offer: Application fee waiver available from February 2020 has been extended further. Offer available for new ANZ Personal Loans and top-ups.

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

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 six months remaining on your course.