AA Money Car Loan
AA Money offers flexible car loans from $5,000 to $75,000 with competitive interest rates and terms ranging from 12 to 60 months.
Last checked on June 11, 2026. We may earn a commission when you click through.
AA Money Car Loan
Updated 4 months agoAPR Range
9.4–12.15%
Amount
NZ$5k–NZ$75k
Term
12–60 months
Type
auto
You'll be redirected to aamoney.co.nz
Our Verdict
AA Money's car loan options cater well to a variety of borrowers, but the interest rates may be higher than some competitors.
Best For
It's ideal for those seeking quick online approval and flexible loan amounts for vehicle purchases.
Watch Out
Watch out for higher interest rates, which range from 9.4% to 12.15%, potentially increasing the cost of borrowing.
Pros
- Quick online application process
- Flexible loan amounts from $5,000 to $75,000
- Terms range from 12 to 60 months
- Positive customer service feedback
Cons
- Higher APR rates (9.4% to 12.15%)
- Potential hidden fees
- Not the best option for borrowers prioritising low interest
Full Review
AA Money provides car loans with amounts starting at $5,000 and going up to $75,000, making it a suitable option for both budget and higher-end vehicle buyers. The APR ranges between 9.4% and 12.15%, which is on the higher side compared to some other lenders. For example, lenders like Harmoney and Lending Crowd may offer better rates for qualified applicants.
The application process is straightforward, with quick online approvals, which is beneficial for those eager to secure financing. However, potential borrowers should be aware of the minimum requirements: you need to be a New Zealand citizen or permanent resident, at least 18 years old, and have a regular income.
While AA Money’s loan terms are flexible, ranging from 12 to 60 months, the higher interest rates could lead to significantly more paid over the loan's life compared to lower-rate alternatives. For borrowers who prioritize total cost over speed, it might be wise to shop around before deciding.
Customer service feedback has been generally positive, but there are mentions of hidden fees that some users encountered, so it’s essential to read the fine print. Overall, AA Money is a solid choice for those who need quick access to funds for a vehicle but may not be the best option for those sensitive to interest rates.
Who Is This For?
This loan is for New Zealand citizens or permanent residents with a steady income looking for fast vehicle financing.
What Borrowers Say
Borrowers appreciate the quick approval process but have noted concerns about the interest rates and potential fees.
Summary
AA Money's car loan offers flexibility and speed, but the higher interest rates may not suit all borrowers.
About This Loan
Requirements
- NZ citizen or permanent resident
- Regular income
- Minimum age 18
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