Consolidate your debts

It’s a simple way to help make managing debts less of a mission.

The important numbers

What is debt consolidation?

Debt consolidation allows you to combine debts like store cards, car loans, credit cards, hire purchases and other personal loans into one loan with one regular repayment. It allows flexible repayment options to suit you with no additional charges or fees.

Combining all your debts into an ANZ Personal Loan with a fixed interest rate and structured repayments could help if you're struggling to juggle changing rates and different payment dates.

Calculate how much you can save by combining your debt

Can I save on interest? 


One loan, one regular repayment

Rates and fees


Rate and fee

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

Check your eligibility

Eligibility

To apply for an ANZ Personal Loan, you’ll need to:

  • Be at least 18 years old
  • Receive a regular income
  • Have enough money left over, after your expenses, to meet your loan repayments. You can work out your repayments using our repayments calculator
  • Be a New Zealand citizen, permanent resident or, if a non-resident, have a work visa issued for two years or longer with at least one year left.

If you’re a tertiary student, you’ll also need to:

  • Be studying full-time at a government-recognised tertiary institution or a NZQA-approved language school with at least six months left on your course
  • Be a New Zealand citizen or permanent resident. Personal loans are not available for international students
  • Have any income, student allowance or student loan credited to your ANZ account.

Note: no more than two people can apply jointly.


Additional lending criteria may apply

We’ll discuss this with you during your application process.

Get an ANZ Personal Loan in 3 easy steps

How to apply

From overseas: +64 4 470 3142

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

Interest rates are subject to change. Lending criteria and terms apply to all ANZ Personal Loans. See Rates, fees and agreements.

This is for information purposes only. Please talk to us if you need financial advice about a product or service. See our financial advice provider statement (PDF 39.8KB) for more information.

Eligibility criteria and terms and conditions apply to the ANZ goMoney app, ANZ Internet Banking, ANZ Phone Banking, Voice ID and Pay to Mobile. For details, see our ANZ Electronic Banking Conditions (PDF 138KB).