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ANZ Personal Loan - Personal loans

ANZ Personal Loan

Got a wish list, but don't want to wait? With an ANZ Personal Loan you might be able to buy what you want - now!

How it works

You can apply to borrow any amount over $3,000 and spread your payments to suit your budget - and you don't have to be a current ANZ customer.

Loan purpose
Use your ANZ Personal Loan to pay for just about anything under the sun. Whether it's for travel, a stereo, home improvements or a new car, it's your loan - what you do with the money is up to you!
Interest rate
Fees
  • Loan approval fee (new applications) $200
  • Top-up fee (additional lending on existing loans) $125
Loan amount
You can apply to borrow any amount from $3,000.**
Flexible loan term
Structure your loan to suit your needs, with repayment terms ranging from one to seven years depending on the loan's purpose. However, loans for tax payments have a maximum term of one year.
Repayment frequency
Choose from weekly, fortnightly or monthly payments to suit your budget.
Extra repayments
You can pay off your loan sooner (and save on interest) for no extra cost by:
  • increasing your regular payment amount
  • making extra one-off payments
  • paying off your whole loan.
Early repayment^
If you'd like to pay off your loan in full, visit any ANZ branch or phone us - we'll be happy to help.
Redraw facilities
If you've made early or additional payments on your loan, you can apply to redraw the available funds (as specified in your loan agreement).
  • Minimum redraw amount - $500
  • Redraw fee for each redraw transaction - $25
Loan protection insurance
Loan protection insurance gives you the reassurance of knowing that your minimum loan payments will be covered if you:
  • are made redundant
  • are declared bankrupt
  • are unable to work because of disability
  • die (maximum of $50,000 paid).

For help working out the premium and loan repayments for your loan protection insurance:

Calculator iconANZ Personal Loan Repayment Calculator

Special deals
Special deals are available:
Access
You can manage your loan via:

You can view your loan balance via:

* Interest rates are subject to change.

** If you need less than $3,000, an ANZ credit card may suit you better.

^ Note that you may have to pay an early repayment fee.

To apply for an ANZ Personal Loan:

  • you must be over 18 years old
  • you must be a permanent New Zealand resident
  • no more than two people can apply jointly
  • you must apply for $3,000 or more. If you'd like to borrow less than this, an ANZ credit card may suit you better.

You don't need to be an existing ANZ customer to have an ANZ Personal Loan.

If you're not an ANZ customer you'll need to provide some additional information:

  • two forms of photo ID (your passport, driver's licence, firearms licence, official Government photo-ID card or another bank's photo-ID card) or one form of photo ID and one form of non-photo ID
  • verification of your address (a current bank statement, rates notice, tax assessment or power, phone or gas bill).

Application criteria

If your wages/salary have been deposited into an ANZ bank account in the last three months, we'll verify your income from your account information.

If not, we'll need to see one of the following:

  • one payslip, dated within the last four weeks, showing year-to-date figures
  • one payslip, dated within the last four weeks, showing your annual base income
  • a letter from your employer on their letterhead, dated within the last four weeks, confirming your annual income and employment type (eg full or part time)
  • if you're self-employed, copies of your last two years' balance sheets/annual accounts and profit and loss statements and copies of your personal tax return.

If you have other income (eg rent, dividends) please contact us to discuss your particular requirements.

If you're applying online, we'll phone you when we receive your application to discuss the easiest way for you to provide proof of income information.

View loan details
Select your loan account in ANZ Internet Banking and you'll be able to see:
  • your current loan balance
  • your transaction history (such as payments you've made)
  • interest you've paid on your loan
  • your next payment - when it's due and how much you'll pay.
Loan top-ups
To apply for a top-up to an existing ANZ Personal Loan, simply complete an online application and choose to add the funds to your existing loan.*
Extra repayments
To make an additional loan payment, just use ANZ Internet Banking to transfer money from another of your accounts to your loan account.

*ANZ lending criteria and a top-up fee may apply.

How to apply

For more information or to apply for an ANZ Personal Loan, contact an ANZ Customer Service Consultant:

Apply online icon
Apply online
Telephone icon
Call 0800 837 123 24 hours a day, seven days a week
Enquire online icon
Enquire online
Visit branch icon
Visit your nearest ANZ branch

ANZ lending criteria, terms, conditions and fees apply.

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