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)
  • Post office around Indonesia.

Learn more about payment channel.

Competitive interest rate1

Loan amount (IDR) Tenor (months)
  12 24 36 48 60
≥100,000,000 1.69% 1.69% 1.69% 1.79% 1.89%
60,000,000 - 100,000,000 1.79% 1.79% 1.79% 1.89% 1.89%
<60,000,000 1.89% 1.89% 1.89% 1.89% 1.89%

1Interest rate used is equivalent flat

Loan Simulation

Please note that for tenor 48 & 60 months, monthly installment can only be calculated for loan amount IDR 50,000,000 or above.

* Amount can be changed either with text box or slider.

** Tenure can be changed only with the slider.


  • Indonesian citizen
  • 21-60 years of age (at the end of loan period)
  • Earning minimum annual income of IDR 36 million. (Gross salary for employee; or net income for entrepreneur/professional).

Required documents

Document Employee Entrepreneur Profession
Application form Tick Tick Tick
Copy of ID/Passport Tick Tick Tick
Copy of Credit Card* or Salary Slip** Tick Tick Tick
Past 3 months bank account statement (original)   Tick Tick
SIUP/TDI/TDP/Medical License   Tick Tick
Copy of NPWP for loan amount IDR 50 million and above Tick Tick Tick

*Copy of Credit Card (front-side). Minimum one (1) year credit card membership.
**Salary slip must be computer print or carbonized copy. If not, please attach confirmation letter from company or the last 3 months bank account (legitimate) that displays month salary.

Last Update: 1 November 2013

Fees Charges
Late fee 5% of monthly payment or IDR 100,000 whichever is the higher
Early pay off 6% of outstanding principal
Approved loan transfer fee IDR 15,000 for clearing
IDR 30,000 for RTGS
Stamp duty IDR 6,000

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 500ANZ or (area code)500269.

Last Update: 9 September 2013

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.