Rating based on 8 reviews


  • Quick car finance
  • Affordable repayments
  • Low interest rates

In-page navigation

Esanda homepage
Author Esanda. Screenshot of Esanda website.
[Accessed May 2, 2023]

Use Esanda for all of your financing needs

Esanda Finance Corporation Ltd is an exclusively owned subordinate of Australia’s third-largest bank, ANZ.

Since 1995 they have been assisting all Australians by providing them finance solutions such as high return investments and insurance products and today they are the largest provider of equipment and car solutions in Australia, their services also include car loans and term deposits.

Finance and insurance

They specialise in providing vehicle finance and insurance services, they were first recognised as a commercial financing division of the English, Scottish and Australia Bank, whose initial was ES and A and this inspired the Esanda name and then later merged with ANZ Bank, Esanda still remained exclusively a subordinate of ANZ for years to come, then the dealer finance unit of the business was bought out by Macquarie Group in 2015.

The Esanda car loan will require the following in order to apply

You will need to be 18 years or older, wanting to borrow $7500 or more, be a permanent resident of Australia or hold a relevant work visa, employed, or a self-funded retiree and not currently bankrupt.

Secured car loans

They are best known as car loan providers, but also offer business loans and car insurance as well as offering finance privately through dealerships.

If you are interested in applying for one of their loans you will need to apply online or telephonically as they do not conduct business from an office. Once you have applied it’s quite possible for your application to be approved in at least three working hours,  this means you can drive away with peace of mind.

Esanda car loan repayment calculator

If you are thinking about a car loan through Esanda, you could use the personal loan calculator and see what your repayments would look like under different borrowing structures, why not compare various products that they offer.

Features of an Esanda car loan

Your quick loan will be secured by the value of your car, this helps to reduce financial risk so that your interest rate stays as low as possible and the rates are fixed, in other words, your repayments remain the same for the life of the loan, so that your budgeting is simple.

Esanda – Car loan

  • Loan Type Car loans

Benefits of Esanda

  • Reliable insurance
  • Convenient car loan calculator
  • Apply online & get approved fast

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This car loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Esanda - Affordable vehicle finance

You have the option to choose a term between 1 and 7 years for repayments and don’t forget repayments are also flexible.

By choosing a balloon payment at the end of the vehicle loan will also reduce your cost of repayments. Perhaps you would like to consider bundling your car insurance an on-road costs into your car loan.

Customer service

The Esanda Customer service centre consists of telephone and online banking, online loan applications and email

Pros: You can apply online, they are available for 457 visa holders, suitable for new or used cars

Cons: They charge a monthly fee, their application fee charged, they require security to be held, and you cannot apply in branch

What RateCity says

Although you aren’t able to apply for an Esanda car loan in a branch, you are able to make to make repayments at your nearest ANZ branch.

Their establishment fee is on a higher scale, Esanda’s car loan rates are below the market average. Unfortunately, there are additional charges for early settlements should you pay your car loan earlier than anticipated because of their on-going fees.

Should be thinking of buying a car for business purposes, they have business finance options available such as chattel mortgages, offers to hire and finance leases, they also provide additional options in the likes of motor insurance, these costs could be bundled into the value of your loan, bearing in mind that should you exercise this option but there is interest attached to this option as you repay your loan.

Guide to buying a car

Esanda is one of Australia’s longest standing car financiers with over 50 years of experience, and they are here to assist you in getting that car you’ve had your eye on plus you can feel secure in knowing that they are a division of ANZ and that you can depend on them. Besides, it doesn’t matter if you are buying privately or from a dealer, they can assist you

It will only take you 20 minutes to apply for a loan or you could speak directly to one of their car loan specialists. They are able to assist you in choosing a car that is suited to your needs, once you have applied it takes around 3 working hours to let you know if you have been approved.

No deposit required

They off 100% finance to their approved customers, and you do have the option to bundle insurance and on-road costs in the loan total.

Novates lease and benefits

  • Should you be in a position of receiving a car as part of your salary package, then a Novates loan could be for you. The rental payments are paid by your employer to Esanda and you get to enjoy full use of the vehicle.
  • You choose your car and lease it from Esanda, you will then Novate the lease to your employer, who will assume some of the rights and obligations under the lease which will include the responsibility of meeting the lease rentals as part of your salary package for as long as you remain with the employer.
  • You as the employee will remain the registered owner during the course of the lease and the agreement is in your name.
  • Should you terminate your employment with your company the car will remain with you and will be your responsibility, but generally, the new employer will take over the payments. So the original employer will not be left with an unwanted car and you get to keep your vehicle. Please bear in mind that the running costs of the vehicle are not included in a Novated Lease.
  • You get to use your vehicle without the bother of budgeting for rental payments, because your employer takes care of it for you, with the option of obtaining the vehicle without a deposit or the bother of being reimbursed from your employer. You have the choice of the car you would like and where you would purchase it from.
  • Delight in the convenience of retaining the car even if you swap jobs.

Employer benefits

Your company can offer you with the benefit of a vehicle without reflecting it on their balance sheet. Flexible leasing time frames and options Lease terms are available from between 1 - 5 years so that you are able to your budget, you have the choice of making rental payments either by monthly payments, quarterly payments, semi-annual or annually.

Once your contract starts your rental payments are fixed, in other words, your payments will not be affected by any interest rate hikes.

Get a low rate compared to most personal loans by using the car as security.

man holding thumbs up

Esanda is a trusted & reliable provider of car loans

In our review, Esanda adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Esanda is a registered credit provider in Australia: ACL 234527

Customer Reviews & Testimonials

Very happy with the service I received, keep it up! I recommend them to anyone.

Ava J
— Perth —

The great service that I received couldn’t have asked for better.

Jack G
— Victoria —

I was able to get all my queries answered when I spoke to one of the brokers. I couldn’t be happier

Angela M
— Sydney —

I was really happy to know that even though my credit score is low the company was still willing to help me get my car loan.

Celeste P
— Newcastle —

Esanda Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday 08:00 – 17;00
  • Sunday – Closed