ANZ Car Loan Calculator
Calculate monthly car loan payments, total interest, and repayment schedules for ANZ car loans in Australia, New Zealand, and Fiji. Compare personal, business, secured, and hybrid car loan options with balloon payments and extra payments.
Loan Details
Loan Amount: $35,000.00
Default rate for Personal Car Loan in Australia: 6.99%
Extra Payments (Optional)
Monthly Payment
$692.88
Loan Amount
$35,000.00
Total Interest
$6,572.59
Total Payment
$41,572.80
Payment Schedule
| Month | Payment Date | Beginning Balance | Principal | Interest | Extra Payment | Total Payment | Ending Balance |
|---|---|---|---|---|---|---|---|
| 1 | 1 Dec 2025 | $35,000.00 | $489.00 | $203.88 | $0.00 | $692.88 | $34,511.00 |
| 2 | 1 Jan 2026 | $34,511.00 | $491.85 | $201.03 | $0.00 | $692.88 | $34,019.15 |
| 3 | 1 Feb 2026 | $34,019.15 | $494.72 | $198.16 | $0.00 | $692.88 | $33,524.43 |
| 4 | 1 Mar 2026 | $33,524.43 | $497.60 | $195.28 | $0.00 | $692.88 | $33,026.84 |
| 5 | 1 Apr 2026 | $33,026.84 | $500.50 | $192.38 | $0.00 | $692.88 | $32,526.34 |
| 6 | 1 May 2026 | $32,526.34 | $503.41 | $189.47 | $0.00 | $692.88 | $32,022.93 |
| 7 | 1 June 2026 | $32,022.93 | $506.34 | $186.53 | $0.00 | $692.88 | $31,516.59 |
| 8 | 1 July 2026 | $31,516.59 | $509.29 | $183.58 | $0.00 | $692.88 | $31,007.29 |
| 9 | 1 Aug 2026 | $31,007.29 | $512.26 | $180.62 | $0.00 | $692.88 | $30,495.03 |
| 10 | 1 Sept 2026 | $30,495.03 | $515.24 | $177.63 | $0.00 | $692.88 | $29,979.79 |
| 11 | 1 Oct 2026 | $29,979.79 | $518.24 | $174.63 | $0.00 | $692.88 | $29,461.55 |
| 12 | 1 Nov 2026 | $29,461.55 | $521.26 | $171.61 | $0.00 | $692.88 | $28,940.28 |
| 13 | 1 Dec 2026 | $28,940.28 | $524.30 | $168.58 | $0.00 | $692.88 | $28,415.98 |
| 14 | 1 Jan 2027 | $28,415.98 | $527.35 | $165.52 | $0.00 | $692.88 | $27,888.63 |
| 15 | 1 Feb 2027 | $27,888.63 | $530.43 | $162.45 | $0.00 | $692.88 | $27,358.20 |
| 16 | 1 Mar 2027 | $27,358.20 | $533.52 | $159.36 | $0.00 | $692.88 | $26,824.69 |
| 17 | 1 Apr 2027 | $26,824.69 | $536.62 | $156.25 | $0.00 | $692.88 | $26,288.07 |
| 18 | 1 May 2027 | $26,288.07 | $539.75 | $153.13 | $0.00 | $692.88 | $25,748.32 |
| 19 | 1 June 2027 | $25,748.32 | $542.89 | $149.98 | $0.00 | $692.88 | $25,205.42 |
| 20 | 1 July 2027 | $25,205.42 | $546.06 | $146.82 | $0.00 | $692.88 | $24,659.37 |
| 21 | 1 Aug 2027 | $24,659.37 | $549.24 | $143.64 | $0.00 | $692.88 | $24,110.13 |
| 22 | 1 Sept 2027 | $24,110.13 | $552.44 | $140.44 | $0.00 | $692.88 | $23,557.70 |
| 23 | 1 Oct 2027 | $23,557.70 | $555.65 | $137.22 | $0.00 | $692.88 | $23,002.04 |
| 24 | 1 Nov 2027 | $23,002.04 | $558.89 | $133.99 | $0.00 | $692.88 | $22,443.15 |
| 25 | 1 Dec 2027 | $22,443.15 | $562.15 | $130.73 | $0.00 | $692.88 | $21,881.01 |
| 26 | 1 Jan 2028 | $21,881.01 | $565.42 | $127.46 | $0.00 | $692.88 | $21,315.59 |
| 27 | 1 Feb 2028 | $21,315.59 | $568.71 | $124.16 | $0.00 | $692.88 | $20,746.88 |
| 28 | 1 Mar 2028 | $20,746.88 | $572.03 | $120.85 | $0.00 | $692.88 | $20,174.85 |
| 29 | 1 Apr 2028 | $20,174.85 | $575.36 | $117.52 | $0.00 | $692.88 | $19,599.49 |
| 30 | 1 May 2028 | $19,599.49 | $578.71 | $114.17 | $0.00 | $692.88 | $19,020.78 |
| 31 | 1 June 2028 | $19,020.78 | $582.08 | $110.80 | $0.00 | $692.88 | $18,438.70 |
| 32 | 1 July 2028 | $18,438.70 | $585.47 | $107.41 | $0.00 | $692.88 | $17,853.23 |
| 33 | 1 Aug 2028 | $17,853.23 | $588.88 | $104.00 | $0.00 | $692.88 | $17,264.35 |
| 34 | 1 Sept 2028 | $17,264.35 | $592.31 | $100.56 | $0.00 | $692.88 | $16,672.03 |
| 35 | 1 Oct 2028 | $16,672.03 | $595.76 | $97.11 | $0.00 | $692.88 | $16,076.27 |
| 36 | 1 Nov 2028 | $16,076.27 | $599.23 | $93.64 | $0.00 | $692.88 | $15,477.04 |
| 37 | 1 Dec 2028 | $15,477.04 | $602.72 | $90.15 | $0.00 | $692.88 | $14,874.32 |
| 38 | 1 Jan 2029 | $14,874.32 | $606.23 | $86.64 | $0.00 | $692.88 | $14,268.08 |
| 39 | 1 Feb 2029 | $14,268.08 | $609.77 | $83.11 | $0.00 | $692.88 | $13,658.32 |
| 40 | 1 Mar 2029 | $13,658.32 | $613.32 | $79.56 | $0.00 | $692.88 | $13,045.00 |
| 41 | 1 Apr 2029 | $13,045.00 | $616.89 | $75.99 | $0.00 | $692.88 | $12,428.11 |
| 42 | 1 May 2029 | $12,428.11 | $620.48 | $72.39 | $0.00 | $692.88 | $11,807.63 |
| 43 | 1 June 2029 | $11,807.63 | $624.10 | $68.78 | $0.00 | $692.88 | $11,183.53 |
| 44 | 1 July 2029 | $11,183.53 | $627.73 | $65.14 | $0.00 | $692.88 | $10,555.80 |
| 45 | 1 Aug 2029 | $10,555.80 | $631.39 | $61.49 | $0.00 | $692.88 | $9,924.41 |
| 46 | 1 Sept 2029 | $9,924.41 | $635.07 | $57.81 | $0.00 | $692.88 | $9,289.34 |
| 47 | 1 Oct 2029 | $9,289.34 | $638.77 | $54.11 | $0.00 | $692.88 | $8,650.57 |
| 48 | 1 Nov 2029 | $8,650.57 | $642.49 | $50.39 | $0.00 | $692.88 | $8,008.09 |
| 49 | 1 Dec 2029 | $8,008.09 | $646.23 | $46.65 | $0.00 | $692.88 | $7,361.86 |
| 50 | 1 Jan 2030 | $7,361.86 | $649.99 | $42.88 | $0.00 | $692.88 | $6,711.86 |
| 51 | 1 Feb 2030 | $6,711.86 | $653.78 | $39.10 | $0.00 | $692.88 | $6,058.08 |
| 52 | 1 Mar 2030 | $6,058.08 | $657.59 | $35.29 | $0.00 | $692.88 | $5,400.49 |
| 53 | 1 Apr 2030 | $5,400.49 | $661.42 | $31.46 | $0.00 | $692.88 | $4,739.08 |
| 54 | 1 May 2030 | $4,739.08 | $665.27 | $27.61 | $0.00 | $692.88 | $4,073.80 |
| 55 | 1 June 2030 | $4,073.80 | $669.15 | $23.73 | $0.00 | $692.88 | $3,404.66 |
| 56 | 1 July 2030 | $3,404.66 | $673.04 | $19.83 | $0.00 | $692.88 | $2,731.61 |
| 57 | 1 Aug 2030 | $2,731.61 | $676.97 | $15.91 | $0.00 | $692.88 | $2,054.65 |
| 58 | 1 Sept 2030 | $2,054.65 | $680.91 | $11.97 | $0.00 | $692.88 | $1,373.74 |
| 59 | 1 Oct 2030 | $1,373.74 | $684.87 | $8.00 | $0.00 | $692.88 | $688.86 |
| 60 | 1 Nov 2030 | $688.86 | $688.86 | $4.01 | $0.00 | $692.88 | $0.00 |
About ANZ Car Loans
ANZ offers a range of car loan options across Australia, New Zealand, and Fiji. Whether you're looking for a personal car loan, business vehicle finance, secured car loan, or financing for a hybrid vehicle, ANZ provides competitive rates and flexible terms.
Loan Types
- Personal Car Loan: For individuals purchasing a vehicle for personal use. Competitive rates with flexible repayment terms.
- Business Car Loan: Designed for businesses purchasing vehicles for commercial use. May offer tax benefits and higher loan amounts.
- Secured Car Loan: Uses the vehicle as collateral, typically offering lower interest rates than unsecured options.
- Hybrid Car Loan: Special financing options for hybrid and electric vehicles, often with favorable rates to encourage eco-friendly purchases.
Features
- Loan terms from 1 to 7 years
- Balloon payment options available (up to 50% of vehicle value)
- Extra payment options to pay off your loan faster
- Competitive interest rates based on loan type and region
- Flexible repayment schedules
Regions
- Australia: Available across all states including NSW, VIC, QLD, WA, SA, TAS, NT, and ACT
- New Zealand: Available nationwide
- Fiji: Available for residents and businesses
Note: Interest rates and terms may vary based on your credit profile, loan amount, and vehicle type. This calculator provides estimates based on typical ANZ rates. Please contact ANZ directly for personalized quotes and current rates.