See how we could help you on your journey to financial wellbeing.
Ways to borrow
Learning how to manage your money, and get your debts under control, can help you feel on top of things. It may also help you pay off your debt faster, saving you money on interest.
Eligibility, lending criteria, terms, conditions and fees apply. Details are subject to change.
Fees and interest rates are subject to change. Non-standard fees may apply. Please use the following links for full details of our Terms and Conditions, Fees and Charges (PDF 166kB), Rates, fees and agreements, ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 103kB), and ANZ Electronic Banking Conditions (PDF 129kB).
Balance transfer offer: Offer available for a limited time. Balance transfers can be made from most non-ANZ Visa or Mastercards (ASB, Bank Direct, BNZ, KiwiBank, TSB or Westpac), American Express, GE CreditLine, Q Card and Farmers Card. Full details are contained in the ANZ Credit Card Conditions of Use available from anz.co.nz or any branch. After 24 months our standard purchase interest rate will apply to any remaining balance transfer amount. Standard interest rates for ANZ Low Rate Visa apply to new transactions and repayments will generally be applied to balance transfer amounts before new purchases.Return
There is no minimum extra repayment through our contact centre or branches. Minimum extra repayment amount applies in ANZ Internet Banking.Return
Application Fee Waiver offer: Application fee waiver available from February 2020 has been extended further. Offer available for new ANZ Personal Loans and top-ups.Return
Monthly overdraft management fee applies in addition to the applicable interest rate. This fee may be waived if the overdraft is linked to an eligible account or if you are eligible for one of our banking packages.Return