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Personal loans

A loan you could use for almost anything—. It's for what you need, when you need it most.

Understanding personal loans

Before you borrow money, take some time to think about:

  • Is a personal loan right for you?
  • How much to borrow?
  • Tips to pay off your loan
  • Support if you face financial stress
  • Joint loans, and what happens if someone can’t or won’t pay.
Understanding personal loans

Simple, flexible and easy to manage

Pay no fees, ever

No application fee. No lump sum payment fee. No fees for changing your repayment amount or for paying your loan off early.

Track your progress

It’s easy with our simple to use ANZ goMoney mobile app. Watch your loan balance go down with each repayment.

Flexible repayment options

Change your repayment amount, or pay it off early, with no additional charges or fees (a minimum amount is required for lump sum payments made in ANZ Internet Banking and goMoney).

The important numbers

Standard interest rate

——

Applies to all ANZ Personal Loans

Loan amount

$3,000 - $50,000

Minimum loan amount for eligible Jumpstart— customers: $1,000.

Loan term

6 months to 7 years

Choose from weekly, fortnightly or monthly repayments to suit your budget.

Get an ANZ Personal Loan in three easy steps

Apply

Before you apply, check your eligibility. When you apply, make sure you have your financial details handy. You can apply in Internet Banking, goMoney or with our online form.

We'll be in touch

We’ll let you know the next steps within five days. During our busy periods, this may take longer. 

Receive your money

Once approved, we could have the money in your account the same business day. Funds must be deposited into an existing ANZ everyday account (such as ANZ Freedom or ANZ Go account).

Check your eligibility

Eligibility

To apply for an ANZ Personal Loan, you'll need to: 

  • Be at least 18 years old
  • Receive a regular income
  • Have enough money left over, after your expenses, to meet your loan repayments. You can work out your repayments using our repayments calculator
  • Be a New Zealand citizen, permanent resident or, if a non-resident, have a work visa issued for two years or longer with at least one year left
  • Be able to prove your identity and earnings.

If you’re a tertiary student, you’ll also need to:

  • Be studying full-time at a government-recognised tertiary institution or a NZQA-approved language school with at least six months left on your course
  • Be a New Zealand citizen or permanent resident. Personal loans are not available for international students
  • Have any income, student allowance or student loan credited to your ANZ account.

Additional lending criteria may apply

We’ll discuss this with you during your application process.

If you don't meet the criteria

If you’re a non-resident, have a low income, or are worried about your credit rating, we may still be able to help. Give us a call.

0800 269 296

If you're not an ANZ customer

To get a loan with ANZ, you need to be set up as a customer and have an ANZ everyday account.

Join the fast way using the ANZ goMoney mobile app and there is no need to visit a branch. You can also join online or by calling us.

How to join ANZ

How to apply for a personal loan

Apply using the ANZ goMoney app

If you have goMoney, go to the ‘Apply & Open’ section and follow the easy steps to apply for a personal loan.

If you don’t have goMoney yet, you can download it now. Eligibility criteria and terms and conditions apply, see important information below.

Apply online

Apply for a personal loan using your ANZ Internet Banking.

Call us

Monday to Friday, 8am - 7pm

Saturday and Sunday, 9am - 5pm

From overseas: +64 4 470 3142

Details to have handy

  • Details of your income, expenses, assets and debts.
  • Your ANZ customer number.

Once you have submitted your application we will contact you for more information.

Interest on your loan

Interest

We calculate interest daily, and either charge it to your loan or to an ANZ account (depending on the repayment type on your loan) monthly in arrears on the first business day of the month.

Default interest

If you do not make repayments when they are due, we can charge you on those amounts at the default interest rate. 

Other options

ANZ Low Rate Visa

For amounts less than $3,000, a credit card is another option. Or, if you’re a full-time tertiary student on a Jumpstart account you could have a limit up to $1,000—.
ANZ Low Rate Visa

Overdraft

Have comfort knowing you could access extra cash if you ever need it – and you’ll only pay interest when you use it.

Overdraft

Flexible ways to manage your money and debts

We have a range of options to suit different needs. Whether it’s borrowing to combine debts, borrowing to pay for the things you need or having a back-up for emergencies and unexpected expenses.

Read about borrowing options

Important information

Interest rates are subject to change. Lending criteria and terms apply to all ANZ Personal Loans. See Rates, fees and agreements.

This is for information purposes only. Please talk to us if you need financial advice about a product or service. See our financial advice provider statement (PDF 39.8KB) for more information.