Calculate your repayments*
How can we help? Talk to AA Finance about a secured personal loan for you today.
Apply online in 5 minutes (or less). Approval in 1 hour. We won’t keep you waiting.Fast approval
Loans for all sorts of reasons. Terms from 1 to 5 years, plus flexible repayment options. Learn moreFlexible terms andoptions
*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. The actual fixed annual interest rate charged to you will depend on your personal circumstances. Fixed annual interest rates range from 10.95%. Minimum loan amount is $3,000. Loan terms from 1 to 5 years.
Why choose an AA Finance personal loan
Our friendly team is just a call away for any questions.
Flexible terms and structures to meet your needs.
We help Kiwis make smart borrowing choices.
Easy online application and approval in 1 hour.
Already an AA Member?
Ask us about additional savings that AA Members are eligible for.
Frequently asked questions
You must be at least 18 years of age.
AA Finance’s fixed annual interest rates range from 10.95% for secured personal loans. 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 600 888 or email us.
AA Finance personal loans are provided by Heartland Bank Limited or alternate lenders. The fees and charges that apply for Heartland Bank funded loans are available here.
We aim to let you know within one working hour of receiving your personal loan application.
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
- Secured personal loans only
- The minimum loan amount is $3,000
- AA Finance loan terms range from 12 months – 5 years
Yes, as long as your application satisfies all of our normal lending criteria you can switch your loan, or consolidate more than one existing loan, with AA Finance.
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 600 888
For a complaint
To make sure your complaint is investigated promptly, please send us an email or call us on 0800 600 888 (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.
If you suffer unforeseen hardship, please advise us or contact the Bank/Finance Company which funded your loan e.g. Heartland Bank.
Please use our update your contact details form.
You can use your secured personal loan for anything you choose – such as a wedding, debt consolidation, travel, renovation or unexpected expenses. However, personal loans are not for business purposes.