Car loans from 9.95%. Approval in 1 hour.

Plus, no repayments for three months!* (optional)

Work out your loan repayments now!*

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*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 of $246 for AA Members (or $296 for non AA Members) and a PPSR fee of $10.

APPLY TODAY 

Take out a new car loan or switch your existing loan to AA Finance and:

  • Get fixed annual interest rates from 9.95%* with fast approval in only one hour.
  • Give the budget a breather: You can choose to make no repayments for three months*.
  • Plus receive an AA Smartfuel discount of 50 cents off per litre
    Receive an AA Smartfuel discount of 50 cents off per litre, redeemable on a single fill up to a maximum of 50 litres.**
Apply online Or call us on 0800 500 555 7 days a week,
8am – 6pm for an obligation free quote.

* View Terms & Conditions.

*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 March 2018 will expire on 30 April 2018. AA Smartfuel terms and conditions apply.

Why choose an AA Finance car loan

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Simple

Apply online or talk to someone over the phone. It will only take you a few minutes.

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Quick

Fast processing times with lending decisions usually within one working hour.

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Smart

You’re in control with flexible terms and conditionally approved finance before you buy.

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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.

Apply online Or call us on 0800 500 555 7 days a week,
8am – 6pm for an obligation free quote.

Here's what our happy customers have to say

AA Finance made my first time getting vehicle finance a breeze, they were great at communicating and a pleasure to deal with.
Lana, Auckland
My experience with AA Finance was top notch, I tell everyone how easy and efficient the process was! Applied on a Sunday afternoon and had approval just a few hours later. Jo was available at the drop of a hat and answered all of my questions thoroughly. I’m so happy with my new car and will definitely recommend AA Finance to anyone looking for a car loan.
Kate, Timaru
I HATE wasting time, unnecessary paperwork and dealing with people that can’t shoot straight and deliver. All of this was not an issue with AA. Amos and his team were fast, efficient and got me sorted with no BS. I’m becoming a fan.
Robett, Auckland
I feel I should be sending you a box of chocolates or flowers or a bottle of bubbles, for all the patience you have shown with me asking so many questions, Cheers.
Jessica, Hamilton

Frequently asked questions

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  • Who can apply for an AA Finance loan?

  • What are your interest rates?

  • What are your fees and charges?

  • How long will it take for a lending decision to be made?

  • What are the terms and conditions?

  • I have an existing loan, can I switch to AA Finance?

  • How do I update my contact details?

  • How can I provide a compliment or make a complaint?

  • What can I do if I suffer unforeseen hardship?

Apply online Or call us on 0800 500 555 7 days a week,
8am – 6pm for an obligation free quote.

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