Car loans from 9.95%. Approval in 1 hour.
Plus, no repayments for three months* (optional).
Work out your loan repayments now!*
Calculating
*Fixed annual interest rates range from 9.95% to 15.95%. The calculation above is an indicative guide only and is based on a fixed annual interest rate of 12.45%. 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 500 555. Normal lending criteria, terms, conditions and fees apply including an establishment fee and introducer fee totalling $212 for AA Members (or $262 for non AA Members) and a PPSR fee of $10.35.
Take out a new car loan or switch your existing loan to AA Finance and:
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Get fixed annual interest rates from 9.95%* with fast approval in only one hour.
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Give the budget a breather: You can choose to make no repayments for three months*.
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Receive an AA Smartfuel discount of 50 cents off per litre, redeemable on a single fill up to a maximum of 50 litres.**
8am – 6pm for an obligation free quote.
*Normal lending criteria, terms, conditions and fees apply including an establishment fee and introducer fee totalling $212 for AA Members (or $262 for non AA Members) and a PPSR fee of $10.35. 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 July 2019 will expire on 31 August 2019. AA Smartfuel terms and conditions apply.
Why choose an AA Finance car loan
Simple
Apply online or talk to someone over the phone. It will only take you a few minutes.
Quick
Fast processing times with lending decisions usually within one working hour.
Smart
You’re in control with flexible terms and conditionally approved finance before you buy.
Secure
We’re a well-known, trusted brand that's been providing car loans to New Zealanders for over 20 years.
Already an AA Member?
Ask us about AA Member savings.
8am – 6pm for an obligation free quote.
Frequently asked questions
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Who can apply for an AA Finance loan?
You must be at least 18 years of age and hold a restricted or full driver’s licence.
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What are your interest rates?
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.
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What are your fees and charges?
AA Finance loans are provided by Heartland Bank Limited or alternate lenders. The fees and charges that apply for Heartland Bank funded loans are available here.
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How long will it take for a lending decision to be made?
We aim to let you know within one working hour of receiving your loan application.
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What are the terms and conditions?
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
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I have an existing loan, can I switch to AA Finance?
Yes as long as your application satisfies all of our normal lending criteria.
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How can I provide a compliment or make a complaint?
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.
Post: Insurance & Financial Services Ombudsman Scheme (IFSO Scheme)
PO Box 10-845
Wellington 6143
NEW ZEALAND
Freephone: 0800 888 202
Telephone: 04 499 7612
Email: [email protected]
Website: ifso.nz -
What can I do if I suffer unforeseen hardship?
If you suffer unforeseen hardship, please advise us or contact the Bank/Finance Company which funded your loan e.g. Heartland Bank.
AA Finance provides loans through Heartland Bank. In some cases, AA Finance may provide your application details to other loan providers. In this case, the alternative provider will contact you directly with your proposed terms and conditions. The processes set out on this page are in relation to a loan provided through Heartland Bank.
If your loan is provided through another lending provider, please check your terms and conditions for this information or call the contact number on your loan documentation.
If you have any questions or concerns, please call us on 0800 500 555.
8am – 6pm for an obligation free quote.