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Personal Lending

Personal Loan Eligibility

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To be eligible to apply for an ANZ Personal Loan, you'll need to meet the following criteria:

  • over the age of 18
  • a Permanent Australian Resident.

You don't need to be an existing ANZ customer to apply.

What do I need to apply?

To apply for an ANZ Personal Loan, all you have to do is meet the eligibility criteria and provide details about yourself, basic financial details and evidence of your income.

We'll need at least three months year-to-date payslip information, plus details of your monthly expenses. You don't even need to be an ANZ customer to apply.

What documentation do I need to provide with my application?

ONE of the following documents listed below:

  • One pay slip no more than five weeks old;
    • It must confirm a three month year-to-date amount that is consistent with your annual income.
    • It must not be hand written.
    • Your employer's name should be visible.
  • Two most recent pay slips - the latest no more than five weeks old;
    • These must not be hand written.
    • Your employer's name must be visible.
  • ANZ account statements that show wages credited into your account for the last three months. The transactions must state 'pay, 'wages', or 'salary' and state the employer's name.

Or any TWO of the following documents listed below:

  • Australian Taxation Office Notice of Assessment.
  • Tax Agent prepared tax return.
  • PAYG Summary (Group Certificate). It must not be hand written.
  • Employer's letter;
    • It must be on employer's letterhead with an ABN.
    • It must confirm your full-time or part-time employment for at least three months.
    • It must state your annual income, or gross and net amount received each pay period.
    • It also needs to confirm no casual or temporary employment, and no probationary period.
    • Must be signed and dated within the last four weeks.
  • Bank statements from another financial institution showing wages credited to your account for the last three months. The transactions must be marked 'pay', 'wages' or 'salary' and state the employer's name.
  • Rental statements for six months showing a rental income or a current/valid tenancy agreement.

If you are Self-Employed, you will need the following:

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

(Both documents not to be more than 16 months old and not handwritten.)