ANZ personal loan offers flexible loans for every whether you are Singaporeans or a foreigner, an employee or self-employed, ANZ personal loan offers loan options for everyone.  

ANZ personal loan Singapore can delight you in a better savings with low rates at 6.6% p.a. and enjoy flexibility with ANZ personal loan long term plan. The monthly repayment is low which is 3% of outstanding balance on your line of credit, a minimum payment of S$30, whichever is higher. No guarantor or collateral is needed to apply for this loan.

The most popular ANZ personal loan plan is ANZ Moneyline and following are some of its main features

  • Rates at 6.6% p.a. (EIR: 11.90% p.a.) and flexibility
  • Low monthly repayment of 3%
  • Complimentary unlimited use of cheque book.
  • Complimentary Visa Debit Card with global and local atm5 network access.
  • 24-hour banking convenience via ANZ Digital Banking and Customer Service.
  • Same-day cash access
  • Easy and fast online application.


The ANZ MoneyLine account is a line of credit facility that offers extra cash assessibility at a low interest rate of 17.88% p.a. This facility comes with a cheque book and an ATM card to withdraw cash. The loan also gives you the flexibility to withdraw cash and repay minimum due or opt to repay fixed monthly installments through the ANZ MoneyLine Term loan facility. Financing amount provided will be up to 4 times your monthly income. For example, if your monthly income is S$5,000, you can be assigned a limit up to S$20,000 subject to approval.

Requirements to apply:

  • Applicant must be between aged 21 and 65 years old
  • Singapore Citizens and Permanent Residents: Minimum income of S$30,000 p.a.
  • Foreigners: Minimum income of S$60,000 p.a.

Supporting documents are required during your application:

Singapore Citizens and Permanent Residents: Copy of your Identification Card (front and back) and with the following documents

Foreigners:  Copy of your valid Employment Pass (valid for at least 9 months) and copy of your Passport and Proof of residence and with the following documents.

For Salaried Employees

  • Online CPF Statement Submission or
  • CPF Statement for the last 6 months or
  • Latest computerised payslip or
  • Latest Income Tax Notice of Assessment (accompanied with the latest computerised payslip or CPF Statement for the last 6 months).

For Self-Employed

  • Income Tax Notice of Assessment for the last 2 years.
  • For Commission-based Earners
  • Online CPF Statement Submission or
  • CPF Statement for the last 6 months or
  • Income Tax Notice of Assessment for the last 2 years or
  • Commission Statement from your company for the last 6 months.


Upon approval of your Moneyline, you will be issued a chequebook and ATM Card where you will be able to withdraw your credit. The cheque book will be mailed to you 10 days from the date of approval. You will be able to withdraw up to $3,000 cash per day with the ATM card worldwide with Cirrus.


A $50 fee will be charged upon approval of ANZ Moneyline account.


ANZ Moneyline is open to Singaporeans and Permanent Residents from 21 to 65 years old with a minimum annual income of $30,000.