It’s easy to join ANZ
Manage your loan
Things change – and your ANZ Personal Loan can change along with them. At ANZ, we make it easy to stay on top of your loan.
Stay on top of your loan
Check your loan balance
Check your loan balance online anytime using ANZ goMoney or Internet Banking.
Change your repayment amount and frequency
Change the amount you pay in your regular repayments and/or how often you make them – (weekly, fortnightly or monthly), for no fee – just call us or visit any branch.
Top up your personal loan
You can apply to increase your current ANZ Personal Loan by calling us or by visiting any branch. There’s an application fee of $115 ($0 for studentsdisclaimer).
Pay your loan off early
Contact us to repay some or all of your loan whenever you want for no fee.
Need a bit extra?
If you need to top up your loan, use this calculator to work out what your new repayments might be.
Having trouble making your repayments?
We understand that things don’t always go to plan, and circumstances can change. Find out how we can help if you’re experiencing financial difficulty.
Apply online
Call us
0800 837 123
Weekdays, 8am – 8.30pm
Weekends, 9am – 5pm
International: +64 4 470 3142
Frequently asked questions
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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