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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.

How to apply

Start online

If you're new to ANZ, you'll need to visit a branch with your ID and proof of address to open your account.

Start your application

Call us

0800 837 123

Weekdays, 8am - 8.30pm

Weekends, 9am - 5pm


International: +64 4 470 3142


Visit a branch

Call 0800 269 296 to make an appointment
Weekdays, 8am - 6pm

Find a branch


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  (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 12.90% p.a., the total interest payable would be about $699. Plus a one-off application fee of $115 applies (there is no application fee for full-time tertiary students on a Jumpstart account).

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see

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.