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Personal loan rates, fees and agreements


The following information is current from  and is subject to change.

Personal loans fixed rate

Personal loans fixed interest rate
Amount $3,000 - $40,000*
Interest rate


If you do not pay amounts when they are due, we can charge you interest on those amounts at the default rate, which is your interest rate + 5.00% p.a.

*A minimum loan amount of $1,000 applies to eligible Jumpstart customers. 


Minimum extra or early repayment amounts

  • Requested in internet banking: $100*
  • Staff assisted (including Contact Centre and branch): No minimum applied
  • Request via secure Bank Mail* in ANZ Internet Banking: No minimum applied

* You can repay your loan in full at any time. Please call us on 0800 837 123 or visit any branch to arrange full repayment.


Application fee (for new and top up applications)

  • ANZ Personal Loan: $115
  • ANZ Jumpstart account*: Waived

ANZ lending criteria, terms, conditions, and fees apply to ANZ personal loans.

*If applying for lending benefits only available to tertiary students on the ANZ Jumpstart account, you must be enrolled at and provide proof of full-time study at a government-recognised tertiary institution or a NZQA approved language school. When applying for lending benefits you must have a minimum of six months remaining on your course.

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