Rating based on 39 reviews

AA Finance


  • Low-interest starting from 9.95%
  • Car loans starting from $5,000
  • Repayment up to 5 years

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AA Finance homepage

Author AA Finance. Screenshot of AA Finance website. [Accessed May 23, 2018]

About AA Finance

If you want to own the car of your dreams, AA Finance can help you with vehicle finance to make your dream a reality.

With AA Finance you can move through life at ease, knowing that they are there to assist when you need a car loan. They are also well known for their terrific vehicle breakdown assistance and variety of products and services such as vehicle repair services, fuel cards and so much more.

Their diverse team will be happy to assist you 

AA Finance’s vehicle finance team is a diverse mix of knowledge and personalities. They all share a common goal to deliver exceptional experiences and optimal outcomes for their customers.

Their knowledge of vehicle finance will help you to make the perfect decision that will fit your requirements. The focus of their team is to deliver a stress-free and reliable financial service to AA members and other Kiwis

One of the most trusted car loan brands

AA Finance is one of New Zealand’s most respected and trusted vehicle finance brands. They strive to be as simple and understandable as possible when communicating with customers to make sure they are satisfied.

Over 3 million Kiwis have been enjoying benefits from AA Finance. They’ve made a difference in many lives for many years now and are still going strong.

What AA Finance can offer you

Own a reliable set of wheels that will give you the independence to go where you want and when you want.

They will help you to get vehicle finance at affordable rates and repayment terms. Their interest rates range from 9.95% to 15.95% and loan terms from 12 to 60 months. All their charges on your car loan will be easy to understand and is explained to you by their friendly staff members.

Interest rate discount to AA Finance members

The interest what you will be charged on your vehicle finance will depend on your personal situations including the following:

  • Your credit history and financial commitments.
  • How much you want to borrow.
  • The term of your loan.

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

Choosing the right vehicle for your needs

When buying a vehicle it can be tricky to decide especially when you have a budget in place. They did put together a checklist of important thoughts, to help you narrow down your choices and make it a bit easier on you. Their helpful staff will suggest a vehicle that supports your lifestyle and fits comfortably into your budget whether it is new or used.

AA Finance Product Details

  • Loan Type Car loans
  • Interest Rate 9.95 – 15.95% p/a
  • Loan Amount from $5,000
  • Repayment 6 months to 5 years
  • Decision 1 hour

At the AA you will get quick and reliable car loans with low interest rates

Apply online for your vehicle finance with ease in just a few minutes.

With AA's convenient online loan application, you can save time and money by securing the car loan you need in the comfort of your own home.

In addition to the vehicle finance, all successful applicants will receive an AA Smart fuel card that offers 50 cents off each litre of fuel. You will receive your answer in as little as 60 minutes after receiving your completed vehicle finance application.

Criteria to apply

  • 18 years and older.
  • Earn over $30,000 per year (before tax).
  • You must be an NZ Citizen or permanent resident.
  • Have a valid form of New Zealand ID.
  • They might request a valid driver’s licence if the vehicle that you are purchasing requires it.

Follow these easy steps to apply for vehicle finance:

Step 1 

Complete the online application form with your personal details, number and expiry date of your driver's licence or passport, income details, and AA Finance membership number (if applicable).

Step 2

Their team will work through your details and request more information if needed via email or phone. If successful, your loan will be pre-approved.

Step 3

You will receive an electronic agreement to sign that will be sent to you via email. After that is done you will be able to drive a lot of safe miles knowing that you have the right car loan.

Switch to AA Finance today

If you already have vehicle finance but would like to switch to AA Finance, you can conveniently do so hassle-free. If your application fits their vehicle finance criteria, you're good to go. Switch today and see why so many Kiwis trust them for their car loan needs.

Benefits, when you have vehicle finance, with AA Finance

  • Loan approval in 60 minutes.
  • Seamless online application that is safe and secure.
  • Amazing customer service that will meet your requirements.
  • Their personal loans are flexible and trusted.
  • Competitive interest rates.

Customer Reviews & Testimonials

April 2021

I was pleasantly surprised at how quick and easy it was for me to get a car loan from AA Finance. The lady I spoke to made it an absolute pleasure and made the process so much smoother.

Bass P
— Auckland —

February 2021

I enjoyed how convenient it was for me to apply online when I struggled. All I had to do was pick up the phone and I had someone to help me through the whole vehicle finance process.

Blare T
— Gisborne —

January 2022

I had a seamless application. Thank you for assisting me with vehicle finance and making my dream of owning a car a reality.

Smith L
— Gisborne —

AA Finance Contact Details

Contact Number



Physical Address

Postal Address

  • PO Box 5, Shortland Street, Auckland, 1140, New Zealand

Opening Hours

  • Monday 08:00 – 18:00
  • Tuesday 08:00 – 18:00
  • Wednesday 08:00 – 18:00
  • Thursday 08:00 – 18:00
  • Friday 08:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed