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Personal loan repayments

Repayments can be made by:

You can see the payment due date and amount required in ANZ Internet Banking. You can also give us a call, visit a branch or refer to your Ietter of offer. It may be a good idea to set your own reminders for these dates or set up a regular payment.

If you miss a repayment (or if you don’t have enough money in your account for a Direct Loan Payment or Periodical Payment), you’ll need to make a payment directly to the loan to bring it back up to date. You can make this payment via ANZ Internet Banking, ANZ Phone Banking or by visiting any ANZ branch.

You may be charged a Late Payment Fee if you miss a repayment or don’t have enough money in your account.

Yes it does. We calculate interest according to the outstanding balance on your loan. If you miss a repayment, your outstanding balance does not reduce as scheduled on your original loan agreement.

You may also have to pay a Late Payment Fee if any part of that repayment is five days late or more. The Late Payment Fee is also charged every subsequent 30 days that repayments are overdue.

If you have an ANZ Variable Rate Personal Loan:

You can make extra repayments, which could help you pay off your loan faster and save on interest charges. 

If you have an ANZ Fixed Rate Personal Loan:

If you decide to make extra repayments or repay the loan in full ahead of time, you will need to pay Early Repayment Charges (PDF 47kB). You’ll find further details in the ANZ Consumer Lending Terms and Conditions booklet (PDF 475kB)


You can find out your outstanding balance by:

  • logging on to ANZ Internet Banking
  • using ANZ Phone Banking
  • calling 1800 801 485 (options 1, 3, 5)
  • visiting an ANZ branch

Your repayments are calculated based on the total amount of your loan, the loan term, any applicable fees and the annual interest rate. These repayments ensure that your loan is repaid in full within the agreed loan term.

If you have an ANZ Fixed Rate Personal Loan, your monthly repayment will not change. If you have an ANZ Variable Rate Personal Loan your interest rate may change during the loan term and so may your repayments.

Please call us on 1800 337 919 (option 1) immediately to discuss your circumstances and see if we can come to an arrangement. We may be able to restructure your payments or work out a payment plan to help you manage your loan.

If you’ve unintentionally paid more than your repayment amount for an ANZ Variable Rate Personal Loan, you can just redraw the extra money by transferring it to an eligible ANZ everyday account. But if it’s an ANZ Fixed Rate Personal Loan, we’ll need to investigate further, and you may have to pay a fee.

Please note: if your loan was in arrears before making the extra payment or if a payment was due, you may not be able to get back the entire amount.