Car loans

Found the car of your dreams? Need competitive finance? Applying for a personal car loan has never been easier.

Until the end of June we have dropped our interest rates - right now - get a car loan with interest rates starting from as low as 11.95%. Talk to our team about our no obligation quote or apply now.

Now is the perfect time, as well as having a fast and efficient loan approval service you can save 25 cent per litres on fuel for the first six months (one fill per month) of your car loan with AA Smartfuel.

We can help you get the car you want, on your terms, all without leaving your home or office.

Loan repayment calculator

Loan amount

Term (Months)	Payment/Month Without Loan Cover

This calculation is an indicative guide and is based on 12.95% p.a.
Includes documentation fee

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.

Benefits

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
Payment can be credited electronically to a bank account

Eligibility and requirements

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

Credit and lending criteria and a documentation fee of $321 applies. Interest rate is subject to change, however, the rate is fixed for the term of your loan.

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 Smartfuel

When you draw down your new AA Car Loan you can save 25 cent per litre on fuel for the first six months (one fill per month) of your car loan with AA Smartfuel.

This offer is available on one fill per month up to 25 litres for the first six months of your loan.

Offer applies to loans drawn down before 30 June 2012.

AA Smartfuel discounts expire at the end of the calendar month following the month in which they were awarded. On any redemption of accrued discounts, any remaining AA Smartfuel card balance of unredeemed discounts is cleared to zero. See full AA Smartfuel terms and conditions.

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.