Compare Esanda car loans

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Esanda Finance Corporation Ltd is a wholly owned subsidiary of Australia’s third largest bank, ANZ. Esanda has been providing finance solutions, investment and insurance products to Australians since 1955. Today Esanda is Australia’s largest provider of vehicle and equipment finance solutions including car loans and term deposits. Esanda’s total assets have surpassed $10 billion, a proportion of which has been contributed by activities in fixed interest investments.

Esanda car loan repayment calculator

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

About Esanda car loans

A specialist provider of vehicle finance and insurance services, Esanda was first established as a commercial financing division of the English, Scottish and Australia Bank (whose initials, “ES and A” inspired the Esanda name), which later merged with ANZ Bank. Esanda remained a wholly owned subsidiary of ANZ for many years, until the dealer finance section of the business was sold to the Macquarie Group in 2015.

While Esanda also offers business loans and car insurance, it’s best known as a car loan provider, offering car finance privately and through dealerships. Esanda doesn’t have its own branches or offices, so if you’re interested in applying for one of its car loans, you’ll need to do so online or over the phone.  Once you’ve applied, it’s possible for your application to be approved in as little as three business hours, so you can drive away with no worries!

Features of an Esanda car loan

Esanda’s car loans are secured by the value of your vehicle, which helps reduce their financial risk so your interest rate stays low. These rates are also fixed, so you’ll make the same repayments for the full term of the loan, keeping your budgeting simple.

The repayment options are also flexible – you can choose a term of 1 to 7 years, paid monthly or fortnightly. You can further reduce your repayments by opting to make a final balloon payment at the end of the loan.

You also have the option of bundling your car’s insurance and on-road costs into your car loan.

Customer service

  • Customer service centre (phone)
  • Online banking
  • Email


  • Can apply online
  • Available for 457 visa holders
  • Suitable for both new or used car


  • Monthly fee charged
  • Application fee charged
  • Requires security to be held
  • Cannot apply in branch

What RateCity says:

While you can’t apply for an Esanda car loan in a branch, it is possible to make your loan repayments in person at your local ANZ branch.

Esanda’s car loans have interest rates that are below the market average, though the establishment fee is on the higher side. There are also ongoing fees to pay, and if you pay off your car loan early, there may be additional early termination fees to consider.

If you’re buying a car for business use, there are business car finance options available, including chattel mortgages, offers to hire, and finance leases.

Esanda also provides additional options for cars, such as motor insurance, and may allow you to bundle these costs in to the value of your loan. Just remember that if you exercise this option, you’ll need to pay interest on these costs as you repay your loan.


To apply for an Esanda car loan, you’ll need to be:

  • 18 years or older
  • looking to borrow $7500 or more
  • a permanent resident of Australia or hold a relevant work Visa
  • employed, or a self-funded retiree
  • not currently bankrupt
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