ANZ Car Loans

Information verified correct on December 5th, 2016

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

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.

ANZ Variable Rate Personal Loan

ANZ Personal loan

Apply for ANZ variable rate personal loan and access a low interest rate offer. Apply by 28th July 2016 to save $150 on your application fee

  • Interest Rate From: 14.69% p.a.
  • Comparison Rate: 15.55% p.a.
  • Interest Rate Type: Variable
  • Application Fee: $150
  • Minimum Loan Term: 1 year
  • Maximum Loan Term: 7 year
  • Minimum Loan Amount: $5,000
  • Maximum Loan Amount: $50,000

Comparison of ANZ personal loans

Rates last updated December 5th, 2016
$
Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Repayment
ANZ Variable Rate Personal Loan
A variable rate loan that lets you make and redraw additional repayments.
From 14.69% (variable) 15.55% $5,000 1 to 7 years $150 Go to site More
ANZ Fixed Rate Personal Loan
A flexible loan option that lets you pay off your debt, buy a car, fix up your house or cover travel costs.
From 13.95% (fixed) 14.81% $5,000 1 to 7 years $150 Go to site More
ANZ Online Secured Car Loan
A secured car loan with a fixed rate interest.
From 6.8% (fixed) 7.65% $7,500 1 to 7 years $350 More
  • ANZ Secured Car Loan. You can purchase a new, used or demonstrator vehicle that is less than seven years old with this loan. It's also available for refinancing. The loan comes with a competitive fixed interest rate of 6.8% p.a. with loan terms of between 1 and 7. If your loan term is under five years, you may be able to select a balloon payment to lower your ongoing repayments.
  • 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 14.69% p.a. and terms of between 1 and 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 13.95% 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?

To be eligible for the Secured Car Loan, the vehicle needs to be:

  • 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.

IMB New Car Loan

This fixed rate new car loans up to 2 years old features no early repayment penalties

RACV Car Loans

Enjoy this fixed rate new car loan offer from RACV. No ongoing fees.

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8 Responses to ANZ Car Loans

  1. Default Gravatar
    Stama | August 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

    • Staff
      Anndy | August 30, 2016

      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.

      Cheers,
      Anndy

  2. Default Gravatar
    | July 17, 2016

    Hi
    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

    • Staff
      May | July 17, 2016

      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.

      Cheers,
      May

  3. Default Gravatar
    Danielle | April 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.

    • Staff
      Elizabeth | May 2, 2016

      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,

      Elizabeth

  4. Default Gravatar
    Hossein | March 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?

    • Staff
      Shirley | March 11, 2015

      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.

      Cheers,
      Shirley

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