Get a lower rate than most unsecured personal loans by using your car as security, a fixed loan term for easy budgeting, and approved customers may even be able to bundle insurance and on road costs.

Apply now

Fast approvals

  • Know if your application has been approved normally within 3 business hours.

Choose how you apply

  • You can apply online or over the phone.

Lower rates

  • Using the car as security means that we can offer lower rates than most personal loans
  • Loan payments are fixed once your contract starts so you always know what your payments will be.

Flexible repayment time frames and options

Choose the options that suit you best:

  • Loan terms available from between 1 - 7 years so you can manage your budget easily
  • Monthly or fortnightly repayments
  • Make payments via direct debit, BPAY, or at any ANZ branch
  • A balloon may be available (an amount owed in a lump sum at the end of your contract). This can reduce your repayments during the term of the loan.

No deposit required

  • 100% finance is available to approved customers
  • Approved customers may be able to bundle insurance and on-road costs in the loan total.

Before you start, you will need to be:

  • 18 years or older
  • looking to borrow $7,500 or more
  • a permanent resident of Australia or hold a relevant work Visa
  • employed, or a self-funded retiree
  • not currently bankrupt.

Establishment fee


Loan administration charge

$5 per month

Late payment fee


Government charges will apply for registering of Esanda's security interest in the car.

Get in touch with us now:

Call icon   Call us on 1300 655 086

Apply now

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