2025’s Most Trusted
Thanks for voting us the Most Trusted Car Loan Provider Brand for 2025 – a reflection of New Zealander’s confidence in AA Money.
When you’re next in the market for a car loan, you can count on us to provide flexible options and real support.
AA Money Car Loans
AA Member Benefit
AA Members receive a $50 establishment fee discount upon presentation of a valid AA Membership number.
Flexible options
We offer interest rates from 9.65% p.a. with flexible loan terms from 1 to 5 years, and repayment options (weekly, fortnightly and monthly), to suit your needs.
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.
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.
Transparent
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.
Trusted
Life's big decisions require trust, and for over 120 years, the AA has supported Kiwis when they need it the most.
Ready 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.
Considering financing a car?
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.
AA Money offers flexible loan options
- Fixed rates from 9.65% p.a.*
- Conditionally approved loans valid for 30 days
- Borrow up to 100% for a personal used vehicle
- Loan terms from 1 to 5 years
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.
Tips for budgeting and borrowing for your first car
- Don't overspend on a car, it's recommended you spend no more than 10-20% of your gross salary on a car, and ideally less. Our car loans calculator can help steer you in the right direction.
- Look out for lemons, buying an extremely cheap car comes with its own risks. If the car keeps breaking down, repairs can be very costly.
- Insurance is a financial safety net. Comprehensive car insurance covers you if your car is damaged or stolen, and it also covers damage you do to another person's car or property.
- 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.
How to apply?
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.
What do you need to apply for a car loan?
- A valid NZ Drivers license or passport
- Proof of address
- Previous three months of bank statements
Where do I apply for a car loan?
All our car loan applications are online.
Frequently asked questions
How do I get an AA Money 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. You will need a valid NZ Drivers licence or passport, proof of address, and previous three months of bank statements
You can apply online here.
Who can apply for an AA Money car loan?
You can apply for an AA Money loan if you are at least 18 years of age.
You must also be a New Zealand citizen or permanent resident and hold a valid form of New Zealand identification. We will request a valid restricted or full driver’s licence if the vehicle you are purchasing requires it. Submitting an application does not constitute a quotation or offer of finance by AA Money.
What do I need to finance a car?
You will need a valid NZ Drivers license or passport, proof of address, and previous three months of bank statements.
What are your car loan interest rates?
AA Money’s standard annual interest rates for car loans start from 9.65%. The rate you are charged will take into account a number of factors including:
- the size of deposit
- how much you want to borrow
- the term of your loan
- your credit score
Want to know what interest rate you are eligible for? We need to understand a little more about you and your circumstances so please fill out an application form and we will get back to you. If you have any further questions regarding interest rates please contact us.
What are your fees and charges for a car loan?
You can view our fees and charges on this website.
How long will it take for a lending decision to be made on my car loan application?
Once your application is received, we aim to get back to you within one day. If you submit your application outside of our operating hours or on a public holiday, we'll get back to you as early as possible on the next business day. We may request further information from you. When we have received this, we'll get back as soon as possible to give you a final decision.
What are the terms and conditions for a car loan with AA Money?
For a copy of our terms and conditions, please see AA Money Terms & Conditions.
These include but are not limited to the following:
- normal lending criteria will apply
- your vehicle will be required as security and it must be fully insured
- AA Money will agree a loan term from 1–5 years
What happens if I change my mind and don’t want to proceed with a car loan?
When you sign your contract, you agree to make repayments in line with the payment schedule.
We appreciate that things may happen that affect your ability to make these payments as planned, however if you fail to make these payments on time or fail to pay you may incur additional costs and default interest. Our fees and charges are available on this website. If you continue to miss payments, we may report a default to a credit reporting agency which may impact your ability to borrow in the future. If the situation is not resolved, we may look to recover the vehicle held as security under the loan.
In the first instance we would like to help you work out a solution so please call us on 0800 600 777 or email us at [email protected]
What happens if I miss a car loan repayment or cannot make a car loan repayment on time?
When you sign your contract, you agree to make repayments in line with the payment schedule.
We appreciate that things may happen that affect your ability to make these payments as planned, however if you fail to make these payments on time or fail to pay you may incur additional costs and default interest. Our fees and charges are available on this website. If you continue to miss payments we may report a default to a credit reporting agency which may impact your ability to borrow in the future. If the situation is not resolved, we may look to recover the vehicle held as security under the loan.
In the first instance we would like to help you work out a solution so please call us on 0800 600 777 or email us at [email protected]
How old do I need to be to get an AA Money Car Loan?
You can apply for finance with us if you're at least 18 years of age.
Request a Call Back
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Looking for Money?
0800 500 555
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Already with us?
0800 600 777
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Want to give us feedback?
0800 600 777
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*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.