Why choose an ANZ Personal Loan?

Whether you need money for something specific you want right now, to have the cash handy for something in the future, or want to consolidate your debts into one easy to manage regular repayment, an ANZ Personal Loan could be the solution.

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ANZ Personal Loans are:

  • Easy: You can use our borrowing calculator to get an instant idea of how much you could borrow. You can apply online and you don't need to provide any security
  • Simple: Your interest rate is fixed for the life of the loan, so there are no surprises. You can also make extra repayments anytime for no fee – so you could repay your loan earlier and pay less in interest
  • Flexible: You can apply to borrow any amount between $3,000 and $40,000, with weekly, monthly or fortnightly repayments to suit your budget. You can also choose how long you want to repay the loan, from six months to seven years
  • Fast: Once approved, you could have the cash in your account the same day*
  • Reassuring: With an ANZ Personal Loan you have the security of knowing you’re dealing with one of New Zealand’s most respected banks. And for added peace of mind, you can also get our optional ANZ Life & Living Insurance.


What is the interest rate for an ANZ Personal Loan?
$3,000 - $40,000* loading product data(View current rates)
For a limited time for new ANZ Personal Loans ^

*A minimum loan amount of $1,000 applies to eligible Jumpstart customers
^This is a special rate for a limited time and cannot be used in conjunction with any other benefits, offers or package discounts.

What are the fees for an ANZ Personal Loan?
Application fee
(for new and top up applications)
$115 (can be added to your loan amount)

What can I use an ANZ Personal Loan for?

Whatever your goal, from holidays and travel, to home renovations, to special occasions and much more, an ANZ Personal Loan could help you achieve it.

Home renovations and improvements: There’s always something to do around the house, from upgrading that old bathroom or buying a fancy new fridge, you need money to get it done. An ANZ Personal Loan could help avoid needing to use equity on your existing home to put you plans in motion. Or you can talk to us about home loan options.

Travel and holidays: Been planning that dream holiday for months, but still haven’t saved up enough? With the help of an ANZ Personal Loan, you could go ahead and book your trip.

Debt Consolidation: Is your debt getting out of control? Bring it all together in one easy to manage ANZ Personal Loan. You could save on interest and pay your debts off faster.

Weddings and special occasions: Whether you’re getting married or celebrating a special occasion we know that organising the big day can be stressful. An ANZ Personal Loan can help you take care of the costs, and make your special day special.

Education and study: Studying full-time? Apply for an ANZ Personal Loan with special student benefits to help you get your finances under control, so you can focus on your studies.

How long does it take to get the cash in my account?

Apply for an ANZ Personal Loan and you’ll get an answer within one working day – regardless of whether you call us, come into branch or apply online.

Once you have been approved, you could have the cash in your account the same day if you already have, or set up an ANZ everyday account (such as an ANZ Freedom Account, or ANZ Go Account). Your Personal Banker will be able to help you with this when setting up your ANZ Personal Loan.

How much can I borrow?

You can apply to borrow any amount between $3,000 and $40,000. The amount you can borrow depends on your current financial situation. You can work out how much you could borrow based on your current financial situation with our handy personal loan borrowing calculator.

calculator imagePersonal loan borrowing calculator


How much will my repayments be?

Your repayments depend on how you set up your loan, including your loan term and payment frequency.

Our handy personal loan repayments calculator lets you calculate different repayment scenarios based on how long you take to repay your loan and how much you borrow.

calculator imagePersonal loan repayments calculator

Can I use my ANZ Personal Loan to consolidate my debts?

Yes. If you have multiple sources of debt – such as credit cards, hire purchase and other debt – an ANZ Personal Loan can help you get under control by bringing them all together into one easy to manage repayment.

For more information, see Debt consolidation.

Can I get insurance to cover my ANZ Personal Loan?

Yes. ANZ Life & Living Insurance offers a range of insurance benefits that can help you with your personal loan payments if anything serious should happen to you, such as illness, injury or death. ANZ Life & Living Insurance offers cover options that can be tailored to suit your needs and help you maintain your lifestyle and financial wellbeing. With this cover in place, you’ll have long-term protection even after a loan is repaid.

If you’d like to know which benefits are available to you, read more about ANZ Life & Living Insurance, call us on 0800 658 585 or visit any ANZ Branch.  

For information on an existing Personal Loan Insurance, call us on 0800 658 585 or visit any ANZ Branch.

Are there loan options for Tertiary Students?

Yes. The ANZ Jumpstart account offers ANZ Personal Loan options with special benefits if you are studying full-time.

For more information, see ANZ Personal Loans for Students.

What’s my next step?

For more information or to apply for an ANZ Personal Loan:

Find out about how to manage your ANZ Personal Loan
Information about your repayments, managing your loan online etc.
Apply Online
Apply online
Get started by applying online for a personal loan today!
Enquire online
Let us call you back
A Personal Banker will be in contact at a time that’s convenient for you.
Call Us
Call 0800 837 123

*Subject to you holding or setting up an ANZ everyday account (such as ANZ Freedom Account, or ANZ Go Account).

ANZ lending criteria, terms, conditions and fees apply. A minimum loan amount of $3,000 applies. Loans are 13.95% p.a. for the life of the loan, and you can pay this off between 6 months and 7 years. For example, if you borrowed $5,000 for 2 years at 13.95% p.a., the total interest payable would be about $759. Plus a one-off application fee of $115 applies, which can be added to the loan amount. Interest rates are subject to change.