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How to manage your ANZ Secured Car Loan

If you decide to pay out your loan before the completion date, early repayment charges will apply. Before you make the decision, you may like to speak to us or seek financial advice.

To ensure a smooth finalisation of your loan, it's important to have an accurate payout figure calculated. Before you pay it out, just call 13 23 73. We'll be happy to help with the calculation of your current payout figure and can organise any paperwork required.

For more information on paying out an ANZ Secured Car Loan early, please read ANZ Secured Car Loans - what happens if you repay some or all of your loan early (PDF 44kB).

You can call us on +61 3 8654 0213 (Monday to Friday 8am to 8pm AEST, Saturday 9am to 5pm AEST) and ask to speak to a customer service agent.

Please click here to download a copy of the Code of Banking Practice (PDF 1.2MB)

  • No GST is payable on the repayments.
  • No GST is payable on the interest charges.

You will need to pay GST on the initial vehicle purchase, if the supplier is registered for GST. ANZ may, at our discretion, finance the GST component on your purchase.

Simple. If there is a change to the information you have previously provided to ANZ about your car (in particular, a change to the registration number or VIN), you should notify ANZ as soon as possible.  If you don't, requests for payout letters or similar documentation could be delayed, or worse, sent with incorrect vehicle details. This can cause confusion or problems for customers who haven't notified us of changes to their vehicle details.

For example, if you've forgotten to notify us of a change in registration or the VIN of a replacement engine, this could delay the settlement and transfer of your vehicle on completion of your contract.

Please advise us of any changes by faxing 1300 109 096 with the updated vehicle details, and your loan details. You can also call customer service on 13 23 73 for further information.

If you finance a vehicle using an ANZ Secured Car Loan, ANZ will register its interest in your vehicle on the Personal Property Securities Register (PPSR).  When you payout your loan contract, ANZ will cease to hold an interest in your vehicle upon receipt of cleared funds.  ANZ will then remove its registration from the PPSR (this may take a few days to process).  If you believe ANZ incorrectly holds a registration on the PPSR over your vehicle, please call us on 13 23 73 to discuss.

Sorry, not at this stage, but we’re working on it.

All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply. Australian credit licence number 234527.