Beware of ANZ and high interest rate loans. ANZ bank still charges very high interest rates (my loan is 19.74%) at a time when the US Federal Reserve has continued its ZERO interest rate to encourage growth and spending. It seems like a very sick ‘puppy’ this whole banking system and so I am interested to find out if there are any financial organisations out there that do care for their clients, and will work with them rather than “screw them” like the ANZ bank.