Car loans

A car loan from AA Money could help you cover the costs of purchasing a new or used car, ute or van.

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Why get a car loan with us?


Tailored to your needs

You can set up a car loan around your needs, affordability and over a time frame that suits you. With a personalised quote and a fixed rate, we put you firmly in the drivers’ seat.

Quick Easy process

Get a fast decision

You can get an online decision fast by using our online car loan calculator and application form. Once you have applied, we aim to get back to you within one business day.

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Get quick access to funds

You can receive your money once your application has been approved and the loan agreement has been signed.


How to apply?

Our car loans calculator can help steer you in the right direction. You can quickly work out how much you can borrow and what your repayments could be.

Apply now

What is a secured car loan?

A car loan from AA Money is a form of secured lending. This means that the vehicle is used as security against your loan. 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.

Key points

Flexible loan options

  • Fixed rates from 11.20% p.a.*
  • Conditionally approved loans valid for 30 days
  • Borrow up to 100% for a personal use vehicle
  • Loan terms from 1 to 5 years


Additional benefits

What do you need to apply for a car loan?

  1. A valid NZ Drivers licence or passport
  2. Proof of address
  3. Previous three months of bank statements

Who can apply for a car loan?

You can apply for finance with us if you’re at least 18 years of age, a New Zealand citizen, or New Zealand resident.

Is a car loan right for you?

As a responsible lender, AA Money must make reasonable enquiries about your spending patterns and to understand whether you have sufficient funds to service your car loan repayments, prior to entering into a contract with you.

In some cases, a car 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 car loan with AA Money, and your debts are becoming difficult to manage, please talk to us.

What makes us different



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



Life's big decisions require trust, and for over 120 years, the AA has supported Kiwis when they need it the most.

Frequently asked questions

*Lending criteria, fees, terms and conditions apply. Interest rates range from 11.20% -13.70% 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.

Apply with ease

Using our fast and secure approval process

Get started