Loans for home improvements

Have big plans for your home? A personal loan could help make it happen.

The important numbers

Home renovations

A personal loan could be used for small changes and fixes to your home. Whether that’s a leaking sink or a kitchen on the brink, an ANZ Personal Loan could help manage those bigger costs with a fixed rate and structured repayment plan.

If you already have an ANZ home loan, a home loan top-up may be another option.

Create the home you’ve always wanted

Rates and fees

Rate and fee

Interest rate

Application fee


Change repayment amount


Make lump sum payment


Minimum extra or early repayment amount applies in Internet Banking

Pay off loan


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


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

Other options

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.

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.

Planning larger renovations?

If you’re planning to do structural changes to your home or investment property, a home loan allows you to borrow a higher amount, and could save on interest. If you already have an ANZ Home Loan, you can apply for a home loan top-up.

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.