DENZA Financial ServicesDENZA B5 3.99% Comparison Rate Offer
Consumer loan finance offer available for a limited time only, designed to help customers purchase a new asset for personal use. The loan features a fixed interest rate and minimum 10% deposit requirement. Terms and conditions apply.
At a glance
- Fixed
- 3.98%3.99% comparison
- Loan size
- $5,000 to $95,000
- Upfront fee
- $0
- Monthly fee
- $0
How it compares
This personal loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This personal loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Carmaker financeFrom a carmaker's finance arm, for its own vehicles, through its dealers | 3.98% | 2.88%Angle Auto Finance's 2.88% G6 36 months Consumer Loan | 4.99%of 12 institutions | 3rd lowest of 12, level with one other |
Rates
The one rate DENZA Financial Services publishes for this personal loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedFinance offer for a Consumer Loan on a 3 year term. The comparison rate is based on a secured consumer fixed rate loan of $30,000 over a term of 5 years. WARNING: This comparison rate is true only fo… | P&I | 3 yrs fixed | - | 3.98% | 3.99% | - |
Fees
8 fees published, grouped by when they're charged.
- When you take it outUp to $64 fees, each listed below
- While you hold itVaries2 fees, each listed below
- When you close it or pay it offFrom $0Early termination fee
When you take it out4
- Establishment feeNo fee
- Introducer origination fee
The origination fee will vary based on your introducer.
$0 to $1,495 - Personal Property Securities Register (PPSR) fee
Fee payable for each security to be registered as a security interest on the PPSR website.
$6 - Security registration administration fee
Fee payable for each security to be registered as a security interest on the PPSR website.
$3.95
While you hold it2
- Fortnightly repayment fee
Payable each time a fortnightly repayment is due.
No fee - Monthly repayment fee
Payable each time a monthly repayment is due.
No fee
If a payment is late or fails1
- Dishonour fee
Payable each time a payment instruction is dishonoured.
$25
When you close it or pay it off1
- Early termination fee
Payable if the balance outstanding is repaid in full 3 months or more before the end of the loan term. The early termination fee is calculated as $200 plus (4% of the total amount financed) x (number…
From $0
Features
- Have the certainty of a fixed interest rate and repayment amount for the life of the loan.
- Repayments can be made fortnightly or monthly, giving flexibility to manage your payment options.
- Where available, additional finance inclusions such as comprehensive insurance and extended warranties may be included in the total amount financed, subject to credit criteria.
Eligibility and limits
- Minimum age 18
- Residency: Applicants must be an Australian or New Zealand citizen, or a permanent Australian resident, or hold an acceptable visa that is valid for the loan term. Applicants must reside in Australia.
- Available to individuals
- Amount $5,000 to $95,000
- Applicants must hold a valid licence suitable for the asset being financed.
Compare it with others
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Published by DENZA Financial Services under the Consumer Data Right, last changed by them on 8 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.