Unsecured car loan

Are you looking for your very first car, or planning to upgrade your current one? Or perhaps you’d like to splash out on a brand new model. What’s important is getting the loan that suits you.

An unsecured car loan means you don’t need to provide collateral against the loan amount. Depending on your priorities, this loan can be either variable or fixed.

If you’re looking for flexibility, the ability to redraw on additional loan repayments or the option of paying off your loan sooner then a variable rate could be your best option1. It allows for life’s little surprises.

If you prefer the stability of set monthly repayments then a fixed rate is usually a better choice. It offers peace-of-mind and allows you to better manage your finances.

New or used car, we have the loan that’s right for you.

Which loan type is best for me?

Loan Features Variable Loan Fixed Loan
Different features

Yes Variable rate

Yes Extra repayments allowed at no extra 

Yes Fixed rate

Yes Extra repayments allowed but fees and 
     charges apply.

  • Ability to pay off your loan faster and save on interest costs1
  • Ability to redraw on additional loan repayments you have made if the need arose3
  • Pay off your loan faster if interest rates go down1
  • Offers you the certainty of knowing what your repayments are for the fixed period
  • Safeguards you against increasing interest rates
  • Assists with budget management
  • Minimum loan amount: $5,000
  • No maximum loan amount set
  • Loan term: From 1 to 7 years (your choice)
  • ANZ Loan Protection2: Optional insurance cover for when the unexpected happens. If you choose ANZ Loan Protection, you may qualify for a 0.25% p.a. interest rate discount.
Additional repayments Yes Yes. You have the freedom to make extra
     re-payments at no
     extra cost.
Yes Yes. Fees and charges apply.
Redraw facility Yes Yes. Redraw allows you to access
     additional loan
     payments you have
Not available
Fees and charges
  • Loan approval fee: $150 covers application and loan establishment costs
  • Loan administration charge: $30 quarterly fee
Interest rates
  • Interest rate from 

loading product data(View current rates)4

  • Interest rate from 

loading product data(View current rates)4

Apply now
Apply now

ANZ provides car insurance.

Applying for an ANZ Personal Loan is now even easier

Apply online

Apply online   

Apply online and receive a response in only 60 seconds. Apply now.  

Call us today

Call us today    

Call a loan specialist now on 1800 339 410, Monday to Friday, 8am to 8pm (AEST).

What you need to apply

What you’ll need to apply

Find out about personal loan eligibility and what you’ll need to apply.

All applications for credit are subject to ANZ's credit assessment criteria.

Terms and Conditions available on application. Fees and charges apply.

1. A Deferred Establishment Fee will apply if you repay your Variable Rate Loan within 12 months of the date of advance. 

2. ANZ Loan Protection is underwritten by OnePath Life Limited (OnePath Life) ABN 33 009 657 176 and QBE Insurance (Australia) Ltd ABN 78 003 191 035.

Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522) is an authorised deposit taking institution (bank) under the Banking Act 1959 (Cth). OnePath Life is owned by ANZ – it is the co-issuer of the product (along with QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545) but it is not a bank. Except as set out in the issuer's contract terms (including the Product Disclosure Statement), this product is not a deposit or other liability of ANZ or its related group companies. None of them stands behind or guarantees the issuers. Terms and Conditions apply. View insurance disclaimer and important notes.

3. Terms and conditions apply.

4. Rates as at loading product data(View current rates) and subject to change.

5. These comparison rates are 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 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

A Comparison Rate Schedule is available at any ANZ branch or view it online Comparison Rate Schedule (PDF 64kB).




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