Because you’ve had your eye on it for ages
Loans for boats, caravans, motorcycles or light commercial vehicles
That cruise around the bay. The drive around the country. If you’ve been thinking about a new boat, caravan, motorcycle or a light commercial vehicle, we may be able to help.
ANZ Secured Car Loan
A great loan for cars and other vehicles
This loan may suit you if you would like:
- Repayments that won’t change throughout your loan termdisclaimer
- To know you're not affected by interest rate movements
- The ability to make a lump sum final payment (known as balloon payment) for lower repayments if you’re approved and your loan term is 1 to 5 yearsdisclaimer
- A lower interest rate by using your vehicle as securitydisclaimer
ANZ Variable Rate Loan
Get the flexibility of extra repayments and redraw
This loan may suit you if you would like:
- No exit fees if you pay your loan off early
- Flexibility to increase your loan amount
- Fast access to extra money you’ve paid
- Same day cash in your ANZ everyday account if approved in branch by midday Mon-Fridisclaimer
- You don't want to use your vehicle as security
ANZ Fixed Rate Loan
You’re protected from interest rate movementsdisclaimer
This loan may suit you if you would like:
- Certainty that your repayments won’t change
- Control over your budget
- Same day cash in your ANZ everyday account if approved in branch by midday Mon-Fridisclaimer
- Convenience of managing your loan online
- You don't want to use your vehicle as security
What could my repayments be?
Get an estimate of your potential loan repayments
How much could I borrow?
Get an indication of how much you may be able to borrow
ANZ Secured Car Loan
(For motorcycles)
For motorcycles, boats, caravans and light commercial vehicles,
call a loan specialist on 1300 365 652
Mon to Fri, 8am to 8pm (AEST) Sat 9am to 5pm (AEST)
ANZ Variable Rate Personal Loans
Visit any ANZ Branch or call a loan specialist on 1800 339 410
Mon to Fri, 8am to 8pm (AEST)
ANZ Fixed Rate Personal Loans
Visit any ANZ Branch or call a loan specialist on 1800 339 410
Mon to Fri, 8am to 8pm (AEST)
For more information on commercial finance, go to http://www.anz.com/small-business/products-services/finance-loans/loan/
What’s the difference between a secured and unsecured loan?
A secured loan (such as the ANZ Secured Car Loan) is a loan backed by an asset. Secured loans are generally only offered for assets that are relatively new and of a certain value. This could be something like a new car or motorcycle. Because the lender has the legal right to take possession and sell the asset if you cannot meet the terms of your contract, they will generally offer you a lower interest rate on a secured loan.
An unsecured loan (such as the ANZ Variable and Fixed Rate Personal Loans) means you don’t have to provide security for the money you borrow. For example, you could apply for an unsecured loan for a holiday or to consolidate debt.
What’s the difference between a variable and fixed rate Personal Loan?
A fixed rate personal loan gives you the certainty of fixed repayments throughout the loan, but there will be charges if you’d like to make early or extra repaymentsdisclaimer and your repayments won't change even if rates decrease. With a variable rate personal loan, your interest rate may change during the loan term, and so may your repayments. Plus you can make early or extra repayments to pay off the loan faster (and save on interest charges), or redraw any extra money if you like.
If you repay some or all of your ANZ Secured Car Loan (which is a fixed rate loan) early, additional fees and charges will apply. Please refer to ANZ Secured Car Loans - what happens if you repay some or all of your loan early (PDF 44kB).
All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply.
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If you repay some or all of your ANZ Secured Car Loan early, additional fees and charges will apply. Please refer to ANZ Secured Car Loans - what happens if you repay some or all of your loan early (PDF 44kB).
Back to topA final lump sum payment is only available to approved applicants, on loans with a term of 1 to 5 years and must be agreed before the commencement of the loan.
Back to topIf you use your vehicle as security, we may be able to offer you a lower interest rate on your ANZ Secured Car Loan than an ANZ unsecured personal loan.
Back to topApplications must be submitted at an ANZ branch, and approved before noon Monday to Friday (AEST), and customers must have approved funds deposited into an existing ANZ Everyday account. For a full list of ANZ everyday accounts, please contact us on 1800 801 485 between 8am to 8pm (AEST) weekdays.
Back to topEarly repayment costs apply if you repay your loan early during a fixed interest rate period.
Back to topTotal loan repayments and repayment amount
For an ANZ Secured Car Loan, the total loan repayments shown is an estimate based on the total loan repayments, total interest and the Loan Administration Charge of $5 per month, but does not include the Establishment Fee of $350 and other fees which may be incurred such as late payment fees. The repayment amount is an estimate based on the loan amount, interest and the Loan Administration Charge of $5 per month, but does not include the Establishment fee $350. If the Establishment Fee is financed as part of the ANZ Secured Car Loan, the regular repayment amount will be higher than the amount stated on the calculator.
Back to topComparison rate
For ANZ Secured Car Loan
This comparison is for an ANZ Secured Car Loan with an amount financed of $30,000 and a term of 5 years.
WARNING: This comparison rate applies only to the example or examples 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.
For ANZ Variable and Fixed Rate Personal Loan
For the purposes of this calculator, the following default interest rates are used and are subject to change:
Fixed interest rate: (comparison rate: )
Variable interest rate: (comparison rate: )
WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Back to topInterest rate
For ANZ Secured Car Loan
This special online only rate is only available to approved applicants who apply for an ANZ Secured Car Loan online. You may receive a different rate if you apply for an ANZ Secured Car Loan through other channels such as an ANZ branch or over the phone. Interest rates are subject to change.
For ANZ Variable or Fixed Rate Personal Loan
For the purposes of this calculator, the following default interest rates are used and are subject to change:
Fixed interest rate: (comparison rate: )
Variable interest rate: (comparison rate: )
WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Back to topThis special online only rate is only available to approved applicants who apply for an ANZ Secured Car Loan online. You may receive a different rate if you apply for an ANZ Secured Car Loan through other channels such as an ANZ branch or over the phone. Interest rates are subject to change.
Back to top