Looking for a smart personal loan?

Great service and fast approval.

Calculate your repayments*

12 months 60 months
10.95 % 15.95 %
Weekly
or
Monthly
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Calculate your repayments*

12 months 60 months
10.95 % 15.95 %
Weekly
or
Monthly
Loading Calculating
*Fixed annual interest rates range from 10.95% on terms from a minimum of 1 year to a maximum of 5 years. 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 600 888. 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.
0800 600 888 

How can we help? Talk to AA Finance about a secured personal loan for you today. 

  • Fixed annual interest rates from 10.95%*. Control your budget with set repayments and no surprises.
    From 10.95% per annum
  • 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 more
    Flexible terms andoptions
Apply online Or call us on 0800 600 888 5 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 $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


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Helpful

Our friendly team is just a call away for any questions.

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Smart

Flexible terms and structures to meet your needs.

Trusted

Trusted

We help Kiwis make smart borrowing choices.

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Fast

Easy online application and approval in 1 hour.

Already an AA Member?

Ask us about additional savings that AA Members are eligible for.


Apply online Or call us on 0800 600 888 5 days a week,
8am – 6pm for an obligation free quote.

Here's what AA Finance customers have to say


The team at AA finance were extremely helpful and informative, they were friendly to talk to and listened to my needs. They made the experience an enjoyable one.
Adam, Christchurch
The AA finance team were super easy to deal with and made the whole process really straight forward and fast. Phone calls and emails were responded to quickly and the process was easy to follow.
Jo, Porirua
AA Finance was very easy to do business with, always ready to give the answers I needed and gave me complete satisfaction without fuss. I highly recommend their services. My sincere thanks,
Laurence, Matakohe
AA Finance was absolutely amazing! I had the most wonderful business manger who did everything she could to help me out and organise my loan quickly. Could not wish for better service! Thank you.
Charlie, Auckland

Frequently asked questions


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  • Who can apply for an AA Finance Personal 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 personal loan. Can I switch to AA Finance?

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

  • What can I do if I suffer unforeseen hardship?

  • How do I update my details?

  • What can I use my personal loan for?

Apply online Or call us on 0800 600 888 5 days a week,
8am – 6pm for an obligation free quote.

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