Personal Loans Terms and Conditions

Heartland Bank Limited, in conjunction with the AA, provide AA Finance personal loans. The information contained on this website is of a general nature only. Full details relating to AA Finance personal loans are set out in the relevant loan documentation which is completed during the loan administration process. A sample copy of this loan documentation is available below.

Sample loan documentation (PDF, 69KB)

The following information may assist you in the loan application process:

To enable AA Finance to process your loan application and provide conditional approval, you will need to:

  1. Complete an online AA Finance loan application form. This is available at (or via or can be completed in consultation with an AA Finance representative over the phone on 0800 600 888
  2. Provide details of your valid (i.e. not expired) full or restricted New Zealand Drivers Licence (which will also be used to validate that you are at least 18 years of age)
  3. Provide a copy of your transactional bank account statement (which is less than 30 days old, showing transactions for a calendar month) if required

Once you have conditional approval, to enable AA Finance to draw down/transfer your loan funds, you will need to provide:

  1. Proof of your identity in the form of a current and valid New Zealand Drivers Licence, Birth Certificate or Passport
  2. Confirmation of your address via a bank statement, utility or rates bill
  3. Evidence of your current income in the form of pay slips, bank statements, or company financial reports (if self-employed) if required
  4. The name, address and phone number of one personal referee. (Referees will not be contacted during the application process, but may be called in the event that the borrower cannot be contacted).

General Information:

Normal credit and lending criteria apply.

The minimum loan amount is NZD$3,000.

An establishment fee applies when you draw down your AA Finance loan and this is added to the total loan amount. This is currently $200 for AA Members or $240 for non AA Members. Other fees may apply.

AA Finance can withdraw the pre-approval when:

  • Any information provided is found to be incorrect or misleading; or
  • Something happens that, in the opinion of AA Finance adversely affects the loan proposal; or
  • There is an unfavourable change in the borrower's financial circumstances during the pre-approval period (including their credit score according to Veda Advantage)

AA Finance borrowers must accept AA's Privacy Policy. This authorises AA Finance (and related parties) to make all necessary enquiries in relation to the borrower's application for finance.


While every reasonable effort has been made to ensure that the information contained on this website is complete and accurate, AA Finance does not represent or warrant the accuracy or completeness of any information on this website. AA Finance does not accept any responsibility or liability arising directly or indirectly from or in connection with your use of or reliance on this website and the information or representations contained on it, or from any omission from the website. In the event of any inconsistency, implied or otherwise, between the information on this website and any loan document, then the loan document will prevail.

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