Loans in New Zealand in 2023

Company

ANZ Bank offers personal accounts and services - internet banking, insurance, credit cards, home loans, personal loans, and foreign exchange.

APR

12.9 %

Representative example

The ANZ Personal Loan interest rate is currently 12.90% p.a. (but can change) and you can pay these loans off between six months and seven years. For example if you borrowed $5,000 for two years at 12.90% p.a., the total interest payable would be about $699. Plus a one-off application fee of $115 applies (there is no application fee for full-time tertiary students on a Jumpstart account).

Requirements

• Be at least 18 years old.
• Receiving a regular income.
• Having enough money left over at the end of month, after your expenses are paid, to meet your loan repayments.
• Being a New Zealand citizen, permanent resident or if you’re a non-resident, have more than one year left on your work visa.
• Proving your identity and earnings.

Important

Make extra repayments on your personal loan whenever you like - with no penalties;

There is a one-off loan application fee of $115, which can be added to the loan amount.

Office hours

Weekdays, 8am - 8.30pm
Weekends, 9am - 5pm

Legal address

Private Bag 92210
Victoria St West
Auckland 1142

Additional information

0800 837 123