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Most of us have a wish list of things we'd love to buy. But we don't always have the savings, or spare cash to simply go out and buy them.
With an ANZ Personal Loan or ANZ Debt Consolidation Loan, you can apply to borrow any amount from $3,000.
If you need less than $3,000 then an ANZ credit card may be more suitable for you.
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Your loan can be repaid over terms ranging from just one year to seven years for ANZ Personal Loans and two years to seven years for ANZ Debt Consolidation Loans, depending on the purpose of the loan. However, loans for tax payments have a maximum term of 12 months.
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You can use an ANZ Personal Loan to pay for just about anything under the sun. Travel, a stereo, home improvements, a new car - it's your loan so it's up to you what you do with the money!
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The amount you can borrow is subject to ANZ lending criteria and depends on your income, your current expenses and how much you can afford to pay. To apply for an ANZ Debt Consolidation Loan you need to be an existing ANZ customer*. Speak to one of our ANZ loan specialists on for more information.
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Please provide copies of your last two years' balance sheets/annual accounts and profit and loss statements, and copies of your personal tax return.
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Phone us on and we'll let you know whether you need to provide any more information.
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Usually we can give you a decision within 24 hours (if you have applied on a business day).
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Once you have signed your loan documents, your money will be available straight away.
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To avoid having to write out cheques or make cash deposits, we recommend setting up a regular Automatic Payment (AP) to make the repayments on your loan.
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If you have an ANZ Personal Loan or ANZ Debt Consolidation Loan you can:
- increase your regular repayment
- make extra lump sum repayments
- pay off your whole loan at any time...
...all at no extra cost.
You have control over your loan repayments, the opportunity to pay off your loan sooner, and reduce your total interest payments.
If you'd like to repay your loan in full, please visit any ANZ branch or phone us on . Note, you may have to pay an early repayment fee.
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If you are registered for ANZ Internet Banking, you can make additional payments on your ANZ Personal Loan at any stage.
If you'd like to repay your loan in full, please visit any ANZ branch or phone us on . Note, you may have to pay an early repayment fee.
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Find out more about fees and charges.
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Loan Protection Insurance gives you the comfort in knowing that your minimum loan repayments are covered should you:
be made redundantbe declared bankruptbe unable to work because of disabilitydie (to a maximum of $50,000).
A premium is payable, and terms, conditions, exclusions and limitations apply. Call for more details or for a copy of the policy document.
Use the ANZ Personal Loan Repayment Calculator to estimate your loan repayments and it will also calculate the loan protection premium for ANZ Personal Loans.
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No, you don't need to provide any security for an ANZ Personal Loan or ANZ Debt Consolidation Loan.
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If you provide all the information we need when you apply, you'll usually get an answer within 24 hours.
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The ANZ Debt Consolidation Loan is only available to existing ANZ customers who wants to consolidate their debts from other financial organisations.*
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Definitely! You can consolidate your debt from other financial institutions and finance companies.
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You can consolidate credit cards, overdrafts, store cards, hire purchases and other (non-ANZ) personal loans.
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Yes you can!
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