Car loans from 9.95%. Approval in 1 hour.

Plus, go in the draw to win a $500 gift card every week! ^

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 and introducer fee totalling $220 for AA Members (or $270 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.
  • Go in our weekly prize draw - running until 8 February 2019. That’s $500 on your choice of a BP Gift Card, Caltex starCASH Card, Countdown Gift Card or Prezzy® card. Get in quick for more chances to win!^
  • Give the Summer 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 and introducer fee totalling $220 for AA Members (or $270 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.

p>^About the weekly prize draw%3A All AA Finance loans that are drawn down between 27 Nov 2018 & 19 Feb 2019 will go in a weekly draw to win a $500 prize of the winner’s choice of a BP Gift Card, Caltex starCASH Card, Countdown Gift Card or Prezzy® card. A maximum of one prize can be won. The weekly prize draws commence on 7 December 2018 and will be held weekly on a Friday up to and including 8 February 2019. All loans that have been drawn down by 6pm the day before each prize draw will go in the draw to win. For example: if a loan is drawn down by 6pm on 6 December 2018, the customer will go in the draw on 7 December 2018, and also in the following nine weekly prize draws up to and including the last prize draw on 8 February 2019; or as another example, if a loan is drawn down by 6pm on 10 January 2019, the customer will go in the draw on 11 January 2019, and also in the following four weekly prize draws up to and including the last prize draw on 8 February 2019. We will attempt to contact winners within four working days of the prize draw date. The prize will be forfeited and another prize draw will take place if contact cannot be made within 14 calendar days. Click here for full competition Terms and Conditions.

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

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

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