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Loans for home renovations, improvements or repairs

Have big plans for your home? An ANZ Personal Loan could help make it happen.

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 your repayments might be

Create the home you’ve always wanted

Want to get started on your renovations?

You’ll get a response within 1 to 2 business days.

Flexible repayment options

Change your repayment amount, or pay it off early, with no additional charges or fees.

Rates and fees

Personal loans rates and fees
Interest rate

 

Application 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 rates and fees

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

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). 

Planning larger renovations? Consider a home loan

ANZ Home Loan

If you’re planning to do structural changes to your home or investment property, a home loan might better suit your needs. You’ll be able to borrow a higher amount, and may save on interest. If you already have an ANZ Home Loan, you can apply for a home loan top-up.

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

Combine your other debt

If you have other debt like credit cards or hire purchase, you may be able to save on interest by consolidating them into one easy to manage ANZ Personal Loan.

Learn more about Debt Consolidation >

Frequently asked questions

Help and support 

See all help and support articles

ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.  

The ANZ Personal Loan interest rate is currently 17.95% p.a. (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 17.95% p.a., the total interest payable would be about $988. Plus a one-off application fee of $115 applies (there is no application fee for full-time tertiary students on a Jumpstart account).

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.

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