ANZ Personal Loan for Kiwis, No Fees and Flexible Fortnightly Holiday Repayments

Fast, fee-free travel finance for Kiwis

ANZ Personal Loan gives Kiwis a straightforward way to fund holidays with no extra fees and flexible fortnightly repayments that match your payday. Whether you’re planning a weekend escape to Queenstown or an overseas trip, the ANZ Personal Loan covers flights, accommodation and travel costs from $3,000 up to $50,000 (Jumpstart customers may be eligible from $1,000).

The lack of application fees, zero charges for changing repayments and no penalties for lump sums or early pay-off make the ANZ Personal Loan a practical choice. Competitive daily-calculated interest and options for automatic repayment discounts help keep the total cost down.

Repayments that actually suit your budget

Choose weekly, fortnightly or monthly repayments so your holiday loan sits neatly with your payday schedule. Fortnightly repayments are especially handy for Kiwis paid fortnightly, helping you avoid timing gaps and manage household expenses while you travel.

You can adjust repayment amounts or make extra payments without incurring fees, giving flexibility if your circumstances change. Adding a co-borrower can increase your borrowing power, and direct debit setup can even reduce your rate with ANZ Personal Loan automatic payment discounts.

Simple eligibility and quick application

To apply for an ANZ Personal Loan in New Zealand you generally need to be 18 or over, have a regular income and demonstrate enough disposable income for repayments. ANZ accepts New Zealand citizens, permanent residents and certain visa-holding non-residents; students on recognised courses may also qualify with additional criteria.

Apply online, by phone or at a branch and ANZ will typically be in touch within days; approved funds can arrive in your ANZ account as soon as the next business day. Have your ID, proof of income and ANZ account details ready to speed up approval for your holiday loan.

More ways ANZ helps you travel

Beyond single-trip financing, the ANZ Personal Loan can consolidate higher-interest debts like credit cards into one repayment, often saving on interest and simplifying finances. That means you can free up budget for travel without juggling multiple creditors.

If you need smaller short-term credit under $3,000 consider ANZ’s other products such as low-rate Visa options or approved overdrafts, but for planned holidays the ANZ Personal Loan combines clear terms, no hidden fees and repayment flexibility tailored to Kiwis. Apply online or pop into your local ANZ branch to start planning your next trip with confidence.