*Normal lending criteria, terms, conditions and fees apply including an establishment fee of $246 for AA Members (or $296 for non AA Members) and a PPSR fee of $10. Interest accrues from the date the loan is advanced, even during the no repayments period. The actual fixed annual interest rate charged to you will depend on your personal circumstances. Fixed annual interest rates range from 9.95% to 15.95%. Minimum loan amount is $5,000.
**The AA Smartfuel discount can be used only once on up to 50 litres of fuel. To maximise your savings, it pays to fill up as close to 50 litres as you can. This discount must be redeemed by the end of the calendar month following its date of issue e.g. a fuel discount dated 1 through 31 May 2016 will expire on 30 June 2016. AA Smartfuel terms and conditions apply.
Why choose an AA Finance vehicle loan
Apply online or talk to someone over the phone. It will only take you a few minutes.
Fast processing times with lending decisions usually within one working hour.
You’re in control with flexible terms and conditionally approved finance before you buy.
We’re a well-known, trusted brand that's been providing vehicle loans to New Zealanders for over 20 years.
Already an AA Member?
Ask us about additional savings that AA Members are eligible for.
Frequently asked questions
You must be at least 18 years of age and hold a restricted or full driver’s licence.
AA Finance’s fixed annual interest rates range from 9.95% to 15.95%. The rate charged will depend on your personal circumstances taking into account:
- how much you want to borrow
- the term of your loan
- your income
- your other financial commitments, and
- your credit history
To understand the rate that will apply to you, please call 0800 500 555 or email us.
AA Finance loans are provided by Heartland Bank Limited. The fees and charges that apply are available here.
We aim to let you know within one working hour of receiving your loan application.
For a comprehensive overview of our terms and conditions, please see AA Finance terms and conditions
These include but are not limited to the following:
- Normal lending criteria will apply
- The minimum loan amount is $5,000
- Your vehicle will be required as security and it must be fully insured. The vehicle used as security for your loan must be no more than 12 years old.
- AA Finance loan terms range from 6 months – 5 years
Yes as long as your application satisfies all of our normal lending criteria.
Please use our update your contact details form.
At AA Finance, we are proud to offer our customers a high level of customer service, and your satisfaction is very important to us. If you would like to make a complaint or offer a compliment, we encourage you to contact us.
To provide a compliment
Please email us or call us on 0800 500 555.
For a complaint
To make sure your complaint is investigated promptly, please send us an email or call us on 0800 500 555 (or +64 3 968 3926 if calling from overseas).
If a solution can't be found or you are unsatisfied with the outcome, you can contact the Insurance & Financial Services Ombudsman of New Zealand (IFSO), an independent party who helps sort out unresolved complaints. This service is free of charge.
AA Finance loans are provided by Heartland Bank Limited. If you suffer unforeseen hardship, please follow the Heartland Bank process.