Consolidate your debts

Tidy up your debts into one easy to manage personal loan.

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 you can save by combining your debt

Can I save on interest?

One loan, one regular repayment. Simple!

Get help paying off your debts

Combine your debts like credit cards, hire purchases, store cards and more, into one easy to manage loan.

Rates and fees

Personal loans rates and fees
Interest rate
Application 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 rates and fees

Eligibility

Who can apply?
Information to provide

Some things to check-off and have handy when you apply.

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.

Not an existing ANZ customer?

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:
- a payslip showing year-to-date income figures
- a payslip showing your annual base income
- a 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 contact us on 0800 837 123 to discuss what our particular requirements will be.

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

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

Frequently asked questions

See all help and support articles

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 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.

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.

Consolidate your debts

The important numbers

$3,000 - $40,000

6 months to 7 years

Calculate how much you can save by combining your debt