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ANZ Car Loans

Commonly known as ANZ, the Australian and New Zealand Banking Group Limited is the third largest bank in Australia. ANZ doors first opened in Melbourne in the early 1830s, where its head office remains to this day. As its name suggests ANZ operates in both Australia and New Zealand as a retail banking, regional, rural and small business banking and mortgages provider. Investment banking, insurance and consumer finance, including credit cards and personal loans, also comprise part of their product set. In New Zealand, ANZ operates under two separate brands, ANZ and the National Bank of New Zealand. It is the largest bank within New Zealand, dominating the New Zealand market in commercial and retail banking. ANZs personal division encompasses 6 separate divisions, one of which is Australia’s leading finance company, Esanda. Since its inception over 170 years ago the institution has grown to be one of the top 50 banks in the world, and Australia and New Zealand’s largest international banking and financial services groupop.

ANZ car loan repayment calculator

Thinking about taking out a car loan with ANZ? Use our car loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how ANZ car loans compare with other options.

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ANZ Car Loans rates

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  • Features a low rate
  • Can apply online
  • Available for 457 visa holders
  • Monthly fee charged
  • Application fee charged

About ANZ car loans

The Australia and New Zealand Banking Group (ANZ) may be one of Australia’s leading banks and headquartered in Melbourne, but it also operates globally, putting local finance on the world stage. Originally founded as the Bank of Australasia in Sydney in 1835, and in Melbourne in 1838, ANZ today offers a diverse array of financial products and services to personal and business customers and clients.   

When it comes to personal banking, in addition to transaction and saving accounts, credit cards and home loans, ANZ offers several personal loan options, including car loans. While ANZ’s other personal loan offers may offer greater financial flexibility in some areas, ANZ’s secured car loan will allow you to make steady and consistent progress towards paying off your car and driving away stress-free.

To contact ANZ about its car loans or other services, you can get in touch over the phone, online, or visit a branch.

Features of an ANZ car loan

Secured by the value of your vehicle, ANZ’s car loan features a fixed interest rate that’s significantly lower than the rates on ANZ’s other personal loans.

The ANZ Car Loan allows you to borrow between $7.5k and $250k to purchase new or used cars, and make steady progress towards paying this sum off. ANZ’s fixed and variable rate personal loans are also available for borrowing smaller amounts ($5k to $50k) to purchase older used cars, as well as boats or motorcycles.

Customer service

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Live Chat
  • Branch

What RateCity says

One of the most apparent benefits of this ANZ car loan is its low interest rate, which is currently lower than the market average for car loans. On the other hand, the loan does feature a higher than average establishment fee, plus ongoing monthly fees.

This car loan offers the option to make extra repayments and get your car paid off more quickly, which can help to reduce the amount of interest you’ll pay on your loan. However, these savings must be balanced against the early termination fees and break costs that will apply.

ANZ offers the option to include your car’s other costs, such as registration and insurance, as part of your loan, though this does mean you’ll end up paying interest on these extra costs. You’ll also have the option to make a large balloon payment at the end of your loan, which can make your loan’s earlier repayments more affordable.


The low interest rate on ANZ’s car loan is a special online-only rate, so to receive it you’ll need to apply via the ANZ website. You can apply for ANZ’s other personal loans online, over the phone, or by visiting a branch.

To apply, you’ll need:

  • to be 18+
  • to be an Australian resident or 457 visa holder
  • identification
  • employment and income information


There are four different ways you can get a car loan. You can go straight to a lender. You can get a finance broker to organise a car loan for you. You can get ‘dealer finance’ – which is when the car dealer organises a car loan for you. Or you can organise your own car loan through a comparison website, like RateCity.

Whichever method you choose, you will need to provide proof of identification, proof of income and proof of savings. So you may be asked for any combination of passport, driver’s licence, bank statements, payslips, tax returns and utility bills. You might also be asked to provide proof of insurance.


^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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