Mechanical Breakdown Insurance
Make sure you're covered for unforeseen mechanical breakdowns when you buy a second-hand car
Pre Purchase Vehicle Inspections
Get peace of mind when buying your next car with an AA Pre Purchase Inspection report
Car loans
Found the car of your dreams? Need competitive finance? Applying for a personal car loan has never been easier. We can help you get the car you want, on your terms, all without leaving your home or office.
Get a car loan right now with interest rates starting from as low as 10.95%.
Or call 0800 500 555
- A competitive lending rate
- We offer flexible terms from 6 months to 5 years
- Easy to use online car loan application form
- A lending decision usually within 1 working hour
- Can be credited electronically to a bank account
- Your vehicle is required as security
- The minimum loan amount is $5,000
- You must be 18 years of age or over to apply for a loan
- You must hold a restricted or full driver licence
Working out your finances
Try our easy to use online loan calculator to find out what your repayments will be. Repayments on your car can be structured to suit your needs.
Simply enter the loan amount and term to find out what your repayments could be.
You could even get pre-approval for your next personal car loan. You can then search for your dream car secure in the knowledge of your loan approval, and you can negotiate as a cash buyer.
Our car loans are flexible. We have options for you to extend your term, reduce your repayments and the ability to take payment breaks.
Talk to our team of lending experts on 0800 500 555 to find out the best loan structure to meet your lifestyle.
What else you need to know
Getting a loan for your car isn’t something that you do every day. We often get asked questions from our customers about getting their car loan from us. Check out our complete list of frequently asked questions.
What information is needed for your car loan application
To apply for your loan we need to know about you and your circumstances including your financial circumstances. We will also require your driver’s licence details and address details. We also need to know how much you want to borrow and what sort of deposit or trade in you will have. Once your loan is provisionally approved you may need to provide proof of some of these things.
Paying off your car loan early
Yes - you can pay off your loan early. There is an early loan repayment fee $150.
What sort of licence you need to get a car loan
As a minimum you need a NZ restricted licence. If you have an overseas full licence you may use it as long as you've been in New Zealand for 12 months.
AA Lifestyle Protection Insurance
Looking for peace of mind?
AA Lifestyle Protection Insurance covers you in case you have to stop work because of illness, accident or redundancy. It protects your lifestyle by covering your financial commitments and expenses including your AA Car Loan.
You can choose the level of cover and how many family members to include in the policy. When you speak to one of our lending experts on 0800 500 555 ask about Lifestyle Protection Insurance when you apply for your car loan. It's easy!
AA Financial Services are provided by the NZ Automobile Association Incorporated (AA) in conjunction with Marac Finance Ltd. Lifestyle Protection Insurance is underwritten by MARAC Insurance Limited.
