Personal Loans

Life changing moments. We're here to help.

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A personal loan tailored to your needs

AA brand

Tailored to you

Our personal loans are designed around you, to suit your lifestyle and your unique money needs. With our online application, you can apply anytime, anywhere.


Flexible options

We offer interest rates from 12.5% p.a. and you can borrow between $5,000 and $50,000. Our flexible loan terms from 1 to 5 years and repayment options (weekly, fortnightly and monthly) offer flexibility, to suit your needs.

Quick Easy process

Get a decision fast

Use our loan calculator to estimate your repayments, then submit your application online. We aim to get back to you within one business day.

What is a secured personal loan?

If you need to sort out your finances, plan a life event like a wedding or to finally make a start on those home improvements, a personal loan from AA Money could help.

A personal loan from AA Money is a form of secured lending. We require a motor vehicle, or motor vehicles, which you already own as security against your loan. 

With a secured personal loan you’ll be charged interest on the amount you borrow over the term of your loan. You can get an estimate of the regular repayments required on your personal loan by using our loan calculator.

Is a personal loan right for you?

As a responsible lender, AA Money must make reasonable enquiries to ensure the loan is affordable for you.

In some cases, a personal loan may not be the right option for you.

If you are unable to meet your loan repayment obligations, you risk losing your vehicle. If you have a personal loan with AA Money, and your debts are becoming difficult to manage, please talk to us.

What makes us different

No surprise costs

Simple and clear

We strive to be clear, open and honest in our communications with our customers.



We want you to know exactly where you stand from the very beginning. Our fees are easy to understand and they are communicated up front to you. There are no hidden costs.

AA Member benefits

AA Member Benefits

AA Members receive a $50 establishment fee discount upon presentation of a valid AA Membership number.

Apply with ease

Using our easy and simple application form and loan calculator.

Apply with ease

*Lending criteria, fees, terms and conditions apply. Interest rates range from 12.5% to 19.95% p.a. Actual rate will be allocated based on AA Money credit criteria.

Establishment fee of $235, Personal Property Security Register (PPSR) fee of $10.35, and Account maintenance fee of $2/month apply. For more information on interest rates, and the total cost of borrowing, view our pricing.