Are you looking for your very first car, or planning to upgrade your current one? Or perhaps you’d like to splash out on a brand new model. What’s important is getting the loan that suits you.
An unsecured car loan means you don’t need to provide collateral against the loan amount. Depending on your priorities, this loan can be either variable or fixed.
If you’re looking for flexibility, the ability to redraw on additional loan repayments or the option of paying off your loan sooner then a variable rate could be your best option1. It allows for life’s little surprises.
If you prefer the stability of set monthly repayments then a fixed rate is usually a better choice. It offers peace-of-mind and allows you to better manage your finances.
New or used car, we have the loan that’s right for you.
Which loan type is best for me?
|Loan Features||Variable Loan||Fixed Loan|
Extra repayments allowed at no extra
Extra repayments allowed but fees and
|Additional repayments|| Yes. You have the freedom to make extra
re-payments at no
|Yes. Fees and charges apply.|
|Redraw facility|| Yes. Redraw allows you to access
payments you have
|Fees and charges||
(View current rates)4 (includes 1% p.a. Special Offer discount)
ANZ provides car insurance.
Applying for an ANZ Personal Loan is now even easier
Apply online and receive a response in only 60 seconds. Apply now.
Call us today
Call a loan specialist now on 1800 339 410, Monday to Friday, 8am to 8pm (AEST).
What you’ll need to apply
Find out about personal loan eligibility and what you’ll need to apply.
All applications for credit are subject to ANZ's credit assessment criteria.
Terms and Conditions available on application. Fees and charges apply.
1. A Deferred Establishment Fee will apply if you repay your Variable Rate Loan within 12 months of the date of advance.
2. ANZ Loan Protection is underwritten by OnePath Life Limited (OnePath Life) ABN 33 009 657 176 and QBE Insurance (Australia) Ltd ABN 78 003 191 035.
Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522) is an authorised deposit taking institution (bank) under the Banking Act 1959 (Cth). OnePath Life is owned by ANZ – it is the co-issuer of the product (along with QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545) but it is not a bank. Except as set out in the issuer's contract terms (including the Product Disclosure Statement), this product is not a deposit or other liability of ANZ or its related group companies. None of them stands behind or guarantees the issuers. Terms and Conditions apply. View insurance disclaimer and important notes.
3. These comparison rates are based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only.
WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan
A Comparison Rate Schedule is available at any ANZ branch or view it online ANZ Comparison Rate Schedule (PDF 76kB).
4. Rates as at (View current rates) and includes 1% p.a. off the variable interest rate for new Personal Loans until Wednesday, 7 January 2015.
5. Terms and conditions apply.
6. Rates as at (View current rates) and subject to change.
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