VoiceOver users please use the tab key when navigating expanded menus

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)

Loan features

Your loan, your way

Loan features

Get a great interest rate

We 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 change

Even 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 costs

If 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 payment

If 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 termdisclaimer.

Rates and fees

The important numbers

interest rates
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
interest rates
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. 

Calculators

Now let's do the maths

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

Eligibility

Can I apply?

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)

How to apply

What happens when you click 'Apply now'

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)

Apply now

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. 

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.

  

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 top

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.

Back to top

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 top

Available to approved applicants only.

Back to top

A 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 top

Total 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 top

For 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.

Back to top

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 top

Early repayment costs apply if you repay your loan early during a fixed interest rate period.

Back to top