ANZ Personal Loan

ANZ Personal loan

Presents as a quick solution for all your needs

Apply now

ANZ Personal Loan is the right choice whether it is planning your wedding, renovating your house, paying your child's school fee, or even taking your loved ones to your number - one vacation trip.

Cash loan up to IDR 250 millions!

Enjoy flexible loan amount up to IDR 250 millions without collaterals

Fast processing time

ANZ Personal Loan is available in 2 options:

  1. ANZ Personal Loan Regular
    Process your ANZ Personal Loan application within 3 working days with loan amount IDR 8 million - 250 million.
  2. ANZ Personal Loan EXPRESS
    A facility to process your loan application in only 1 working day with minimum loan amount IDR 50 million - IDR 250 million.

Convenient Loan Disbursement

The approved loan amount will be transferred out directly to your personal account in any bank in Indonesia.

Simple way of payment

You can easily pay the loan through extensive payment channel:

  • Transfer Feature between banks (ANZ bank code 061) through more than 40,000 ATM Bersama and Prima networks (ATM BCA)
  • ANZ ATM's and branches
  • Interbank transfer (clearing)

Learn more about payment channel.

Find out more about ANZ Personal Loan Terms & Conditions (BAHASA) (PDF 196kB)

ANZ Personal Loan Interest Rate Promo via Online Application (Valid for application received from 1 September 2016 until 30 June 2017)
Loan amount (IDR) 1 year 2 years 3 years 4 years 5 years
≥100 million 0.99% 0.99% 0.99% 0.99% 0.99%
60 - < 100 million 1.89% 1.89% 1.89% 1.99% 1.99%
< 60 million 1.99% 1.99% 1.99% 1.99% 1.99%
ANZ Personal Loan Regular Interest Rate
Loan amount (IDR) 1 year 2 years 3 years 4 years 5 years
≥100 million 1.79% 1.79% 1.79% 1.89% 1.99%
60 - < 100 million 1.89% 1.89% 1.89% 1.99% 1.99%
< 60 million 1.99% 1.99% 1.99% 1.99% 1.99%

Interest rate used is equivalent flat

Loan Simulation (Online Application Only)

Note: Monthly instalment for 48 and 60 months are available for loan amount of IDR 50 million or more.

* Jumlah dapat diubah dengan mengetik pada kotak atau menggunakan slider.

** Tenor hanya dapat diubah menggunakan slider.

  1. Indonesian citizen, 21 – 55 years of age
  2. Earning minimum annual income of IDR 36 million (gross salary for employee or net income for entrepreneur/professional) or minimum credit card limit of IDR 4 million.
Option 1 - Application with using Credit Card
Required Documents Application with using Credit Card
Application Form (Original) Bullet
ID Card/Passport (Copy) Bullet
Tax ID (Copy) Bullet
Credit Card number/Front side of Credit Card (Copy)* Bullet

*Minimum Credit Card membership of 1 year. Copy of credit card is not mandatory.

Option 2 - Application without using Credit Card
Required Documents Employee Entrepreneur Professional
Application Form (Original) Bullet Bullet Bullet
ID Card/Passport (Copy) Bullet Bullet Bullet
Tax ID (Copy) Bullet Bullet Bullet
Salary Slip/Income Proof (Original/Copy) Bullet    
Bank account statement – last 3 months (Original/Copy)   Bullet Bullet
SIUP/TDI/TDP (Copy)   Bullet  
PBB/AJB/Certificate (Copy)   Bullet  
Medical License (Copy)     Bullet


Fees Charges
Late fee 6% of monthly payment or IDR 225,000 whichever is the higher
Early pay off Refer to table below
Approved loan transfer fee IDR 15,000 for clearing
IDR 30,000 for RTGS
Stamp duty IDR 6,000
Early Pre-Termination Fee
Tenor MOB Cut Off Preterm fee Before Cut Off Preterm fee After Cut Off
12 6 8% 7%
24 12 8% 7%
36 12 8% 7%
48 12 8% 7%
60 12 8% 7%

Administration Fee

Loan Amount Admin Fee
  Regular Personal Loan EXPRESS Personal Loan
5,000,000 – 200,000,000 3.50% NA
50,000,000 – 200,000,000 3.50% +1%

For more updated information about fees and charges

Call iconPlease contact 24-Hour ANZ Call Centre.

Last Update: 17th November 2014

Terms & Conditions

  1. Loan amount from IDR 8 million to IDR 250 million.
  2. Indonesian citizen 21-60 years old (at the end of loan period).
  3. Earning minimum annual income IDR 3 million per month (gross salary for employee; or net income for entrepreneur/professional).
  4. Approval process took approximately 3 working days*.
  5. Each application process will refer to the successful debtor information system, document completeness and the easiness of applicant’s verification process.
  6. Time calculation of each application process started as you receive SMS confirmation (text message) that your application has been registered until SMS result (approved/rejected).
  7. Loan amount 48 and 60 months, only valid for loan using credit card with credit limit minimum IDR 25 million and loan amount request of IDR 50 million and above.

ANZ Personal Loan Regular

  1. Loan amount from IDR 8 million to IDR 250 million.
  2. Approval process took approximately 3 working days*.

ANZ Personal Loan EXPRESS

  1. Valid for Jabodetabek residents only.
  2. Minimum loan amount is IDR 50 million to IDR 250 million.
  3. The express application process which takes 1 day working day process will have an additional administration fee of 1%. Click here for fees and charges.
  4. The approval process took approximately 1 working day effective from customer's application registration to loan approval that is conducted at the same day. If that express process took more that 1 working day, then the additional administration fee of 1% of the approved loan amount, will be transferred back to the customer’s account in the following month.

*Not a guarantee of application process time.

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