Boat Loans

We understand why you want a boat and we want to help you buy it!

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Key points

Quality time with family & friends

Create amazing memories and great bonds as you entertain those who mean the most to you on your own watercraft! With New Zealand’s beautiful rivers, seas and lakes there will always be somewhere new to get away with the family.

Health benefits

Studies have shown that boating reduces stress levels and the likelihood of depression through spending time with family & friends in the fresh air and sun. Related activities such as water sports, swimming, fishing and diving are good exercise too!

Flexible loan options

  • Low, standard rates from 7.49%* p.a.
  • $0 monthly account fee
  • Pre-approved rates guaranteed for 7 days
  • Borrow up to $100K for a personal use vehicle^
  • Loan terms from 12 months to 5 years

     *Normal lending criteria, terms, conditions and fees apply

    ^AA Money does not currently offer business purpose loans

AA Expertise

AA Money can connect you to the wider expertise and benefits provided by the AA family of motor vehicle services to help you on your vehicle ownership journey.


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!


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Interest rate discount

AA Members enjoy a 0.5% discount off their qualifying fixed interest rate with a valid AA Membership number upon application.

Apply now

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 *Normal lending criteria, terms and conditions apply. Interest rates range from 6.99% - 16.99% p.a. (including AA Membership discount of 0.5% p.a.). Actual rate will be allocated based on loan amount, AA Money credit criteria and AA Membership status.

^Valid AA Membership must be presented upon application to receive rate discount. Establishment fee of $240 applies. For more information on our interest rates, and the total cost of borrowing, click here.

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


Quick Reads

Upcoming Vehicle Registration Fees / Rebate Changes

On 1 April, the New Zealand Government is set to introduce a range of fees or rebates for all new and used motor vehicles being registered in New Zealand for the first time..

How the consumer lending changes affect you

There have been some recent changes around the laws that govern how lenders can approve loans..

Understanding the total cost of borrowing

Taking out a loan can help you get to where you need to be. If it means getting a new car, funding a major life event, or even taking a holiday - sometimes, you just need a little extra..