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Consolidate your debts
Tidy up your debts into one easy to manage personal loan.
Pay no application fee, for a limited time.disclaimer
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.
Pay no application fee, for a limited timedisclaimer
Calculate how much you can save by combining your debt
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.
One loan, one regular repayment.
Get help paying off your debts
Combine your debts like credit cards, hire purchases, store cards and more, into one easy to manage loan.
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 | No application fee for a limited timedisclaimer Standard 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 personal loan rates, fees and agreements |
|
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
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).
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.
Flexible ways to manage your money and debts
We have a range of options to suit different needs. Whether it’s borrowing to combine existing debts, borrowing to pay for the things you need or having a back-up for emergencies and unexpected expenses.
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.
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).
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).
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.
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.
ReturnMinimum extra or early repayment amount applies in ANZ Internet Banking.
ReturnTertiary 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.
Return