ANZ Car Loans

Looking for a way to finance a new or used car? Get a competitive rate with ANZ when you use your new vehicle as security.

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  • Please note that this product is no longer offered. The information on this page has been kept for the benefit of those who are interested and historical records only. You can check ANZ personal loans to finance a new or used car.

Car loans are just one of the many financial products that ANZ have to offer. If you're looking to purchase a vehicle that's less than seven years old, ANZ can offer you a flexible way to fund your purchase and help you get on the road sooner. Find out about the competitive features on offer in the guide below.

Comparison of ANZ personal loans

Data indicated here is updated regularly
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
ANZ Variable Rate Personal Loan
12.99% (variable)
1 to 7 years
You'll receive a variable rate of 12.99% p.a. ( comparison rate 13.86% p.a. )
A flexible loan with amounts starting $5,000 that offers flexible repayments and a redraw facility. Note: These rates are available until 2 February 2021. Credit, eligibility criteria and terms & conditions apply.
ANZ Fixed Rate Personal Loan
10.5% (fixed)
1 to 7 years
You'll receive a fixed rate of 10.5% p.a. ( comparison rate 11.38% p.a. )
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants. Note: These rates are available until 2 February 2021. Credit, eligibility criteria and terms & conditions apply.

Compare up to 4 providers

  • ANZ Variable Rate Personal Loan. This loan may be suitable if you're looking to finance a vehicle over seven years old or you don't want to use your car as security. This unsecured personal loan comes with a rate of 12.99% p.a. and terms of between 1 to 7 years. You can borrow a minimum of $5,000 with this loan but you're able to increase your loan amount if needed and to pay it off sooner if you're able to. As it's a variable rate loan, your repayments may fluctuate.
  • ANZ Fixed Rate Personal Loan. You're offered more flexibility with this loan in terms of the type of car you buy and what you do with the loan amount, but as it's a fixed rate loan you have restrictions to consider as well. For example, you can't pay off the loan early without a fee. This loan comes with a competitive rate of 10.5% p.a. and terms up to 7 years. A minimum loan amount of $5,000 applies but you can purchase anything you like with your approved funds.

Is your car eligible for a secured loan?

Is your car eligible for a secured loan?

  • Less than seven years old
  • Less than $7,500
  • A new, used or demonstrator vehicle
  • For personal use

All car loan applications are subject to ANZ's normal lending criteria.

How you can apply for an ANZ Car Loan

If you would like to apply for an ANZ car loan, click "Go to Site" to submit your application. You'll need to meet the following eligibility criteria before you apply:

  • Over the age of 18
  • A permanent Australian resident or valid work Visa holder (457 or other diplomatic visa)
  • Be currently employed or a self-funded retiree
  • Not currently bankrupt

If you meet these eligibility criteria you can start your application. Make sure you have te following details on hand so you can complete the online form:

  • Your current Australian driver's licence details
  • Your current and previous employer's address
  • Details of your income, assets, expenses and liabilities
  • Your ANZ account number or Customer Registration Number (if you have one)

Once you have completed the application a confirmation email will be sent to your nominated email address to explain the next steps. ANZ will then contact you and advise whether you've been approved, usually within three hours. If approved, ANZ will send you contract documents to agree to, and after accepting your contact, you can usually pick up your new or used vehicle within 24 hours.

More guides on Finder

Car Loan Offers

Important Information*
Logo for IMB New Car Loan
IMB New Car Loan

You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one up to two years old.

Logo for Beyond Bank Low Rate Car Loan "Special Offer"
Beyond Bank Low Rate Car Loan "Special Offer"

You'll receive a fixed rate of 4.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.

Logo for RACV New Car Loans
RACV New Car Loans

You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.

Logo for NRMA New Car Loan
NRMA New Car Loan

You'll receive a fixed rate of 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.

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18 Responses

    Default Gravatar
    cashAugust 6, 2018

    I currently owe 10k for a car loan would I be able to sell the car even though iam owing money

      Avatarfinder Customer Care
      JohnAugust 6, 2018Staff

      Hi Cash City,

      Thank you for leaving a question in finder.

      Regarding your question on selling a car where you still owe money on, here is a finder article specific to that. There are certain scenarios where you may be able to sell your car that is currently being paid for. I hope you find the information helpful for you.


    Default Gravatar
    rafaelJune 18, 2017

    Can I apply for a secured car loan even if the car is not registered under my name?

      Avatarfinder Customer Care
      RenchJune 18, 2017Staff

      Hi Rafael,

      Thanks for your inquiry.

      Taking out car finance for someone else is known as an Accommodation Deal, and the finance companies simply won’t touch it, despite the concept not actually being illegal. It should still be all under your name including the car registration.

      Best regards,

    Default Gravatar
    JIMApril 19, 2017

    I have applied for car loan thru a broker(Autocarloans) which came with ANZ contract

    They are charging me $550.00 fee.
    Would I be able waive this fee if I apply direct with ANZ?
    Would I be able get the same interest rate of 6.98: or less
    for 15k loan

      Avatarfinder Customer Care
      HaroldApril 20, 2017Staff

      Hi Jim,

      Thank you for your inquiry.

      Basically, that rate is there as they are a broker. so that’s the minimum you get access to. So there would already be an enquiry on their file from ANZ
      on behalf of ACL. You can always clarify this information with the provider that way you can check the available options that is right for you.

      I hope this information has helped.


    Default Gravatar
    SamanthaApril 13, 2017

    In regards to anz secured car loans do they approve year on build date or compliance date on a vehicle

      Avatarfinder Customer Care
      DeeApril 14, 2017Staff

      Hi Samantha,

      Thanks for your question.

      If you are applying for an ANZ Car Loan, one of the things ANZ will remind you about is to check the build date and compliance plate of the vehicle you’re looking at, to make sure it’s as new as advertised. However, the terms and conditions of the loan is silent about their basis for approval. You may have to directly contact ANZ to confirm.


    Default Gravatar
    HirdyFebruary 7, 2017

    I am wanting to discuss with some one in regards to a new vehicle loan

      Avatarfinder Customer Care
      MayFebruary 7, 2017Staff

      Hi Hirdy,

      Thanks for reaching out.

      If you wish to discuss your eligibility and options for a car loan with ANZ, please contact them directly or click the ‘Go to site’ button above to head over to their website. In the meantime, if you like to reconsider other lenders, you can compare your options on this page.

      Hope this helps.


    Default Gravatar
    StamaAugust 30, 2016

    Was just wondering if i pay my secured car loan off early will i still have to pay all the interest owing on the loan

      Avatarfinder Customer Care
      DeeAugust 30, 2016Staff

      Hi Stama,

      Thanks for your question.

      When you repay your ANZ car loan early, you will not have to pay all the interest owing on the loan, but certain fees apply including $50 administration fee plus $680 pro-rata for unrecovered costs of providing the loan. Break costs may also apply.

      You could get in touch with ANZ for more details on the procedure and fees.


    Default Gravatar
    JaggyJuly 17, 2016

    I got a personal loan from cba of $25000
    Which i am using it to pay my car
    I still got 14000$ remaining to pay
    Can I refiance my loan to car loan and putting my car as security

      Avatarfinder Customer Care
      MayJuly 17, 2016Staff

      Hi Jaggy,

      Thanks for your question.

      I’m not quite sure if there are loan products available or lenders that offer car refinancing for a personal loan. However, there are other options like personal loan consolidation that you may like to reconsider. You may contact a lender featured on that page to discuss your loan options whether you can use your car a security. Make sure to review the criteria and requirements before you submit any application.

      I hope this helps.


    Default Gravatar
    DanielleApril 30, 2016

    I have applied for a car loan and have been asked to supply some documents via email but
    I don’t have an email address to send it to.

      Avatarfinder Customer Care
      ElizabethMay 2, 2016Staff

      Hi Danielle,

      You’ll need to get in contact with ANZ to find out the correct email address to send it to. The ANZ customer service number is 13 13 14.

      Hope this helps,


    Default Gravatar
    HosseinMarch 11, 2015

    Hi i have account in ANZ and all money goes in this account per month is about $3000 from government, I wanted ro know am I eligible loans car?

      Avatarfinder Customer Care
      ShirleyMarch 11, 2015Staff

      Hi Hossein,

      Thanks for your question.

      Your lender will assess your overall financial position, including any assets or liabilities that you may have. If you currently don’t have any liabilities or debts, then this makes your financial position stronger.

      Note that other eligibility requirements apply:
      – You must be looking to finance a car that’s less than seven years old.
      – You must be employed
      – You must be at least 18 years of age.
      – The minimum amount being financed is $7,500.


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