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Customer assistance options

Not everyone is in the same boat. Some can swim but some may temporarily need floaties or a lifeboat. Whatever your current situation is, there may be things we can do to help.

Ways you can manage your ANZ products

Personal loans

A number of options may be available to you to assist you with managing your personal loan during this time:

  • If you have funds in other accounts, you may wish to use these to continue making your repayments
  • If you have made extra repayments on your loan, ANZ can draw your repayments from those funds
  • If your current loan repayments are set higher than the minimum repayment amount, you can reduce your repayment amount via ANZ Internet Banking
  • If you have an ANZ Variable Rate Personal Loan, you may be able to use our redraw feature to access any extra repayments you might have made in the past (but the amount redrawn will be added to your loan balance and interest will be charged on that higher balance).disclaimer

When considering different options, please keep in mind that some of them may result in you paying more interest over the life of your loan. 

If these options are not available to you or are not suitable given your circumstances, please contact us to discuss other assistance options that may be available to you.

Credit cards

If you’re needing assistance with your credit card, you might find it handy to check out our guide to managing your credit card

If you’d like to get in touch, we may be able to help you: 

  • Transfer to a product with lower interest rates
  • Lower your credit limit
  • Set up direct payments that could help you stay on top of things

If these options are not available to you or are not suitable given your circumstances, please contact us to discuss other assistance options that may be available to you.

Do you need extra assistance?

Apply for assistance

If you’re struggling to pay your bills or are worried about making repayments, applying for financial hardship could be the right step.

You might want to apply if you’ve experienced:

  • Loss of income: Such as losing your job, a pay reduction or downturn in business
  • Family matters: Such as separation, divorce, domestic or carer obligations
  • Financial reasons: Such as other financial reasons, such as an unexpected expense arising

Apply for assistance


The information set out above is general in nature and has been prepared without taking into account your objectives, financial situation or needs.  Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. By providing this information ANZ does not intend to provide any financial advice or other advice or recommendations.  You should seek independent financial, legal, tax and other relevant advice having regard to your particular circumstances.

Terms and Conditions and eligibility criteria apply to ANZ Redraw. ANZ Redraw is not available on loans in a company name. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF 412kB).