Consolidate your debts

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

Pay no application fee right now.

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Special fixed interest rate for a limited time only

Rate is unavailable

%P.A

Only loans approved before the special offer end date of 29 October 2021, will be eligible.

Interest rates are subject to change. ANZ lending criteria, terms, conditions and fees (our application fee is currently waived) and some exclusions apply.

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

Special interest rate

**

Application fee

No application fee right now

Standard fee:  $115 (currently waived)

$0 for full-time tertiary students with a Jumpstart account

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.


**Special fixed interest rate offer: Only loans approved before the special offer end date of 29 October 2021, will be eligible. Interest rates are subject to change. ANZ lending criteria, terms, conditions and fees (our application fee is currently waived) and some exclusions apply.

Pay no application fee right now

Eligibility

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.

Get an ANZ Personal Loan in 3 easy steps


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

How to apply

From overseas: +64 4 470 3142

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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.

Important information

ANZ lending criteria, terms, conditions, and fees (our application fee is currently waived) apply. Interest rates and fees are subject to change. Read more about our Rates, fees and agreements.

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.