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Is there a minimum loan amount?
$5,000 is our minimum loan amount.
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Is there a loan establishment fee?
Yes. The loan establishment fee is $325 for AA Members and $375 for non-Members.
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Do I get a discount off the retail price of the car?
As AA Finance is a major lease company we enjoy substantial fleet discounts on most vehicles. We pass on these discounts to our lease customers.
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What type of car can I lease?
AA Finance will purchase a vehicle to meet your specific requirements. Most vehicles that are available new in New Zealand will be considered for a lease option
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How long will it take for a lending decision to be made?
We'll let you know in about an hour if you're buying from a dealer, or within one working day (once we have all the information we need) if you’re organising a loan directly with us.
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Is there a minimum age for applying for boat and leisure finance?
Yes, you need to be at least 18 years of age and must be a New Zealand resident.
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What is a guarantor?
A guarantor is someone who agrees to repay your loan if you don’t keep up the payments.
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How does invoice finance work?
When you arrange an invoice finance facility with AA Finance, we set up your debtor's ledger on our computer system using our Virtual Ledger Manager® software. This is called a shadow ledger. Then by following the six easy steps below, you'll be able to keep your invoice finance facility running smoothly
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What's the benefit of invoice finance over bank overdraft?
The main benefit is that your invoice finance facility is dynamic – it increases at the same rate as your sales, allowing for more rapid business growth. This means you can pay suppliers when they're due and accept orders when you receive them. Because you can pay your own suppliers more promptly, you may even be able to negotiate better prices.
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How long will it take for my plant, equipment and business loan application to be approved?
We'll let you know within one working day once we have all the information we need.