ANZ Personal Loan eligibility

To meet ANZ Personal Loan eligibility criteria, you need to be:

• over the age of 18
• an Australian resident.

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

All you have to do is meet the personal loan eligibility criteria and provide details about yourself, basic financial details, and evidence of your income.

If you are not a permanent Australian resident, you may still be eligible to apply for an ANZ Personal Loan. Please visit an ANZ branch to discuss your application.

If you’re not already an ANZ customer you will need to provide suitable personal ID such as a valid Drivers Licence or passport.

Proof of income

We'll need at least three months' worth of year-to-date payslip information plus details of your monthly expenses. You will need to provide one of the following:

• Your three most recent payslips 
• Bank statements showing wages credited into your account for at least the last three months.

If you are self-employed, you will need to provide:

• your last year's personal tax return 
• your last year's business financial statements. 

Use the ANZ Personal Loan repayment calculator to calculate your repayments for the term of the loan you want to apply for. 

All applications for credit are subject to ANZ's credit assessment criteria. 

Terms and Conditions available on application. Fees and charges apply.