Secured Personal Loans

Let's sort out a loan that suits you

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Key points

What's next for you?

AA Money offers Secured Personal Loans for:

  • Debt Consolidation/Refinance
  • Home Renovations
  • Holidays/Travel
  • Ceremonial Events (Weddings, Funerals)
  • Other (Study, Medical Expenses, etc.)

What is a Secured Personal Loan?

A Secured Personal Loan is a loan that uses a vehicle you own as security against your loan.  With this security against your loan, we are able to offer you a more competitive interest rate. This security is registered to us during the term of your loan to cover the cost of the loan in the unlikely event that you are unable to pay it back.

Flexible loan options

  • Low, standard rates from 9.95%* p.a.
  • $0 monthly account fee
  • Pre-approved rates guaranteed for 45 days
  • Borrow up to $50K
  • Loan terms from 12 months to 5 years

     *Normal lending criteria, terms, conditions and fees apply

Tailored to you

We are here to help you sort a loan that meets your unique money needs.

Talk to us to see if you qualify for a secured personal loan.


How to Apply

Have your ID details handy and click on the button below to fill out a quick application form and we’ll get back to you as soon as possible!


AA Member Benefit Horizontal logo v2

$60 off establishment fee

If you're an AA Member, you can receive a discounted loan establishment fee when you apply and provide us with your valid AA Membership number.

Apply now

What makes us different



We strive to be as simple and understandable as possible in all of our communications with customers and others.



Our fees are upfront and there are no hidden costs. Our communications are clear and transparent.



The AA is one of New Zealand’s most respected and trusted brands and AA Money will live these time-honoured values.



AA products and services reach over 3 million Kiwis. AA Money can connect customers to valued benefits across the AA brand.

Apply with ease

Using our fast and secure approval process


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