Personal loan eligibility - Personal lending

Personal loan eligibility

To be eligible to apply for an ANZ Personal Loan, you need to be:

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' worth of year-to-date payslip information plus details of your monthly expenses.

What documentation do I need to provide with my application?

One of the options listed below:

One payslip no more than five weeks old. It must:
- confirm a three month, year-to-date amount that is consistent with your annual income
- not be hand written
- display your employer's name.
Two recent payslips - the latest no more than five weeks old. These must:
- not be hand written
- display your employer's name.
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 your employer's name.

Or any two of the options 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
- confirm your full-time or part-time employment for at least three months
- state your annual income or gross and net amount received each pay period
- confirm no casual or temporary employment and no probationary period
- 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 your 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
your last year's business financial statements.

Documents are not to be more than 16 months old and must not be handwritten.