Loans for cars and vehicles

A personal loan could help you get from A to B.

car

The important numbers

What is a vehicle loan?

It’s a personal loan you could use to purchase a car, motorcycle, boat or other vehicle. Whether it’s new or used, has two wheels or four, an ANZ Personal Loan could help get you where you need to be. With a structured repayment plan and fixed rate, your car, boat, or motorcycle could be paid off in no time.

You're in the driver's seat

Rates and fees

Rate and fee

Interest rate


Application fee

$0

Change repayment amount

$0

Make lump sum payment

$0

Minimum extra or early repayment amount applies in Internet Banking

Pay off loan

$0

We calculate interest daily, and either charge it to your loan or to an ANZ account (depending on the repayment type on your loan) monthly in arrears on the first business day of the month. If you do not pay amounts when they are due, we can charge you on those amounts at the default interest rate. 

*A minimum loan amount of $1,000 applies to eligible Jumpstart customers.

Your interest rate + 5% p.a.


Pay no application fee

Eligibility

To get an ANZ personal loan you'll need to meet our lending criteria

Including:

  • Be at least 18 years old.
  • Receiving a regular income.
  • Having enough money left over at the end of month, after your expenses are paid, to meet your loan repayments.
  • Being a New Zealand citizen, permanent resident or if you’re a non-resident, have more than one year left on your work visa.
  • Proving your identity and earnings.


Note: no more than two people can apply jointly.

Get an ANZ Personal Loan in 3 easy steps


*Funds must be deposited into an existing ANZ everyday account (such as ANZ Freedom or ANZ Go account).

How to apply

From overseas: +64 4 470 3142

Other options

Combine your other debt

If you have other debt like credit cards or hire purchase, you may be able to save on interest by consolidating them into one easy to manage ANZ Personal Loan.

Flexible ways to manage your money and debts

We have a range of options to suit different needs. Whether it’s borrowing to combine debts, borrowing to pay for the things you need or having a back-up for emergencies and unexpected expenses.

Man and car

ANZ Motor Vehicle Insurance

From comprehensive cover to basic insurance, ANZ has competitive options to protect you and your vehicle if the unexpected happens. Find out more and get an instant online quote.

Important information

ANZ lending criteria, terms and conditions apply. Interest rates and fees are subject to change. Read more about our Rates, fees and agreements.

The ANZ Personal Loan interest rate is currently 12.90% p.a. (but can change) and you pay these loans off between six months and seven years. For example if you borrowed $5,000 for two years at 12.90% p.a., the total interest payable would be about $699.

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.