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Special online only rate: online fixed rate for an ANZ Secured Car Loandisclaimer ( comparison ratedisclaimer)
This comparison rate 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.
This loan may suit you if
You’re happy to use your car as security for the loan
You’re buying a new, demo or used car
(less than 7 years old)
You’re looking for fixed repaymentsdisclaimer
You’d like to refinance the loan for your current car
(less than 7 years old)
Your loan, your way
Get a great interest rateWe use your car as security, so we may be able to offer you a lower interest rate for the ANZ Secured Car loan than an ANZ unsecured personal loan. |
Your repayments won’t changeEven if interest rates go up (or down), you won’t be affected. Your repayments will stay the same because you’ve locked in a fixed interest ratedisclaimer. |
Borrow more for other car costsIf your loan is approved and you’re buying from a dealer, you may be able to borrow more than 100% of the car price, to cover extras like accessories and even your on roadsdisclaimer. |
Reduce repayments with a balloon paymentIf approved and your loan term is between 1 and 5 years, you may be able to lower your regular repayments by making a lump sum final payment at the end of your loan |
| Your interest rate | (special online-only rate)disclaimer |
| Comparison rate | disclaimer |
| Minimum loan amount | $7,500 |
| Maximum loan amount | No maximum - subject to ANZ's credit assessment criteria |
| Establishment fee | $350 (one-off payment) |
| Loan administration charge | $5 a month (pro-rated for fortnightly repayments) |
| Minimum loan term | 1 year |
| Maximum loan term | 7 years |
Other fees and charges may apply. Terms and conditions available on application.
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
To be eligible, you must
- Buy a car or motorcycle for personal use
- Be 18 years of age or over when you apply
- Be applying for a loan of $7,500 or more
- Be a permanent Australian resident or valid work visa holder (457 or other diplomatic visas)
- Be currently employed or a self-funded retiree
- Not be currently bankrupt
All applications are subject to ANZ’s credit assessment criteria.
Details to have handy
- Current Australian driver’s licence (if you have one)
- Current employer name, contact name and phone number
- Previous employer, if you’ve changed jobs in the last three years
- Income, expenses, assets and liabilities (such as other loans or credit cards)
1
Apply online in just 20 minutes
Please make sure you have the details handy – we’ve listed them above.
2
Get an answer on your application usually within 3 business hours
We’ll contact you to advise the outcome of your application and explain the next steps.
3
Get in your vehicle, if approved
Once we've accepted your offer, we'll work with you to get you in your car usually the same day that's ready.
(For cars or motorcycles)
For cars, 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)
FAQs
Get your questions answered
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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The 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 topThis comparison rate 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.
Back to topIf 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 topAvailable to approved applicants only.
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 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 topFor ANZ Secured Car Loan
This comparison rate 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
This comparison rate is 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 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 Secured Car Loan
The 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: )
Back to topEarly repayment costs apply if you repay your loan early during a fixed interest rate period.
Back to top