ANZ personal loans

You don’t need to be an existing customer to apply for an ANZ personal loan. Borrow up to $50,000 with a competitive interest rate of 12.90%

With flexible repayment options and the ability to choose a personal loan term of 6 months to 7 years, an ANZ personal loan is worth considering if you need an amount between $3,000 and $50,000.

Based on profits and assets, ANZ is one of New Zealand’s largest companies with nearly one in two Kiwis having some kind of financial relationship with its brands. As well as the personal and banking services that you’ll find at its retail branches, there is also ANZ Investments and Bonus Bonds, with over 9,000 employees throughout the country.

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Interest Rate (p.a.)


Max. Loan Amount


Minimum Credit Score


Product NameANZ Personal Loan
Interest Rate (p.a.)12.90%
Min. Loan Amount$3,000
Max. Loan Amount$50,000
Loan Term6 months to 7 years
Turnaround TimeOnce approved funds will be transferred into your account the next business day.
More Info

Pros and cons


  • Pay no application fee
  • Can borrow up to $50,000
  • Flexible loan terms
  • Same day loan approval


  • Three months of bank statements
  • Fixed interest rate, not tailored

Features and benefits of an ANZ personal loan

  • Flexible repayments. You can choose to make your repayments weekly, fortnightly or monthly so that they tie in with your payday.
  • Standard fixed interest rate. While other lenders allocate a rate based on individual circumstances, ANZ has a standard fixed interest rate of 12.9% p.a. for all personal loans.
  • Same day approvals. It’s possible to get your loan approved and money in your account on the same day, as long as you complete your application in an ANZ branch before noon Monday to Friday. If you apply online, funds are usually deposited within 48 hours if approved.
  • Additional payments. You can make additional payments or pay your loan off early without being charged any additional fees.
  • Choose your loan term. With loan terms of between 6 months and 7 years, you can choose the period that suits the repayment amount you can afford to pay.
  • Joint applicants. Joint applicants can apply for ANZ personal loans.

What can I use an ANZ personal loan for?

  • Debt consolidation. If you have a few debts that you are struggling to keep on top of, you can use an ANZ personal loan to consolidate your debts. This means that you’ll only have one repayment to keep track of and you may save on fees and interest.
  • Home renovations. Looking to make some home improvements? A personal loan can help out so you can get started as soon as possible.
  • Special events. Weddings and other special events can be expensive, so a personal loan can help with making sure the caterer, entertainment and venue are paid for in advance.
  • Travel. Planning a dream holiday or cruise? If you don’t have the cash now to make your bookings, a personal loan can tide you over so you don’t miss out on attractive travel deals.
  • Vehicle finance. Before looking for a new car, get approved for an ANZ personal loan so that you can shop with confidence.

How much does an ANZ personal loan cost?

You can expect to pay the following fees on a personal loan from ANZ:

  • A standard fixed interest rate of 12.9% p.a.
  • If you default on your repayment you will be charged interest at your loan rate plus 5% p.a.

How to apply for a loan from ANZ

You don’t need to be ANZ customer to apply for a personal loan, but make sure to compare options from other lenders and that you meet the eligibility requirements below before making your decision. If you are ready to apply, you can do so online, by calling 0800 837 123, or by visiting an ANZ branch.

Eligibility requirements

  • Age. Be 18 years or older
  • Income. Have a regular income and enough money left over to meet loan repayments once expenses are paid.
  • Residency. Be a NZ citizen or permanent resident. If you’re on a work visa, you can still apply as long as there is more than one year left until your visa expiry date.

Information and documentation

  • Income and assets. You will need to provide information about the income you receive and any assets you have such as vehicles or property. ANZ may ask you for three months of bank statements to verify your income once you’ve submitted your application. If you’re not an existing ANZ customer, you will be asked for either a payslip or letter from your employer confirming your salary, and self-employed applicants will need copies of their tax return and two years’ of accounts.
  • Debts and expenses. Before you can be approved for an ANZ personal loan, you need to declare any other debts you have and what your monthly expenses are. This is to ensure that you have enough money left over once your financial commitments are paid for to be able to make your loan repayments.
  • ANZ bank account number. If you have an ANZ bank account number or customer number, you should have this handy.
  • Identification. You will need to prove your identity with a passport or driver’s licence, as well as proof of address. If you apply online and you are a new customer, you will need to take these documents into a branch so that ANZ can verify who you are.

What other products does ANZ offer?

  • Low rate Visa. If you need less than $3,000 (the minimum loan amount), you can apply for a low-rate Visa credit card.
  • Overdraft. An overdraft facility can be added to an ANZ everyday account if you meet the eligibility criteria.
  • Savings accounts. Grow your savings faster with premium interest on the Serious Saver account.
  • Term deposits. Get a fixed return when you invest a minimum of $10,000 for a term decided by you.

Bottom line

With an ANZ personal loan you can borrow up to $50,000 with a loan term of up to 7 years. If you want to consolidate debts, need finance for a vehicle or a dream holiday, then a personal loan from this lender is worth considering. You can compare this and other loan options in the table below.

Compare personal loans

Name Product Interest Rate (p.a.) Min. Loan Amount Max. Loan Amount Loan Term Monthly Service Fee Establishment Fee
Harmoney Unsecured Personal Loan
6.99% - 19.99%
3, 5 or 7 years
Eligibility: Be an NZ resident/citizen and have a good credit score.
Apply for an unsecured personal loan up to $70,000 with no early repayment fees.
FROM 6.99%
The Co-operative Bank Unsecured Personal Loan
6.99% - 17.75%
6 months to 5 years
Eligibility: Be 18+, an NZ citizen/permanent resident, or have a valid work visa.
Floating-rate, unsecured personal loans from $3,000.
Lending Crowd Personal Loan
6.45% - 19.30%
2, 3 or 5 years
$350 - $650 depending on the amount borrowed
Eligibility: Be an NZ resident/citizen and have a good credit score.
Secured and unsecured personal loans from $2,000 to $200,000. 100% online with no paperwork or early repayment fees.
Nectar Unsecured Personal Loan
8.95% - 29.95%
6 months to 4 years
Eligibility: Must be 18+, an NZ citizen or permanent resident, have an income of $400 per week or more (after tax) and a stable credit history.
Unsecured loans from $1,000 with payouts made within one day of approval. Applications entirely online.
Save My Bacon Unsecured Flex Loan
12 to 36 months
Eligibility: Be 18 or over, have an income of at least $400 per week and be a NZ citizen, permanent resident or have a valid work visa.
Medium-term unsecured loans from $2,000 to $5,000 with no hidden fees.

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