Take control of your debt today.

Are you juggling multiple loans, payments and interest rates? Find out if we can help you save and reduce your debt faster, with one manageable loan.

Work out your loan repayments now*

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*Fixed annual interest rates range from 10.95% to 17.95% on terms from a minimum of 1 year to a maximum of 5 years. The actual interest rate charged to you will depend on your personal circumstances. To understand the rate that will apply to you, please call 0800 600 888. Normal lending criteria, terms, conditions and fees apply including an establishment fee of of $200 for AA Members (or $240 for non AA Members) and a PPSR fee of $10 (for secured lending).
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Why consolidate your debt with AA Finance?

  • Fixed interest rates from 10.95%*
    From 10.95% per annum
  • One manageable loan, designed to help you reduce debt faster
    One manageableloan
  • Fast application online and approval in two hours
    Fast application approval
Or call us on 0800 600 888 7 days a week,
8am – 5:30pm for an obligation free quote.

* Terms & conditions apply.

*Normal lending criteria, terms, conditions and fees apply including an establishment fee of $200 for AA Members (or $240 for non AA Members) and a PPSR fee of $10. Interest accrues from the date the loan is advanced. The actual fixed annual interest rate charged to you will depend on your personal circumstances. Fixed annual interest rates range from 10.95% to 17.95%. Minimum loan amount is $3,000. Loan terms from 1 to 5 years.

Why choose an AA Finance personal loan


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Helpful

Our friendly team is just a call away for any questions.

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Smart

Flexible terms and structures to meet your needs.

Trusted

Trusted

We help Kiwis make smart borrowing choices.

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Fast

Easy online application and approval in 2-3 hours.

Already an AA Member?

Ask us about additional savings that AA Members are eligible for.


Apply online Or call us on 0800 600 888 7 days a week,
8am – 5:30pm for an obligation free quote.

Here's what AA Finance customers have to say


The team at AA finance were extremely helpful and informative, they were friendly to talk to and listened to my needs. They made the experience an enjoyable one.
Adam, Christchurch
The AA finance team were super easy to deal with and made the whole process really straight forward and fast. Phone calls and emails were responded to quickly and the process was easy to follow.
Jo, Porirua
AA Finance was very easy to do business with, always ready to give the answers I needed and gave me complete satisfaction without fuss. I highly recommend their services. My sincere thanks,
Laurence, Matakohe
AA Finance was absolutely amazing! I had the most wonderful business manger who did everything she could to help me out and organise my loan quickly. Could not wish for better service! Thank you.
Charlie, Auckland

Frequently asked questions


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Apply online Or call us on 0800 600 888 7 days a week,
8am – 5:30pm for an obligation free quote.
Fixed interest rates range from 10.95% p.a. to a maximum of 17.95% p.a. on a minimum 12 month to a maximum 60 month term. A loan establishment fee of $200 for AA Members ($240 for non AA Members) applies. Example: A loan of $5,000 over 12 months at 13.95% has fees totaling $240 and a total repayment of $5,644.33, equating to 12 monthly payments of $470.36.

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