Dream big with a personal loan
Flexible loan options
With fixed rates from 12.00% p.a. you can borrow between $5,000 and $50,000. Our loan term options range from 1 to 5 years, and our repayment options of weekly, fortnightly and monthly repayments, provide flexibility to suit your needs.
Tailored to you
You can set up your loan around your needs, affordability and over a time frame that suits you. Leaving you with time to focus on the important things like budgets, planning, and most importantly, the big day.
Get a decision fast
Use our loan calculator to estimate your repayments, then submit your application online. We aim to get back to you within one business day.
An AA Money personal loan for a wedding can let you borrow money to help you pay for any of the costs associated with your wedding, including the dress or suit, venue hire, catering, accommodation, or transport.
A personal loan from AA Money is a form of secured lending. We require a motor vehicle, or motor vehicles, which you already own as security against your loan.
With a personal loan you'll be charged interest on the amount you borrow over the term of your loan. You can get an estimate of the regular repayments required on your personal loan by using our loan calculator.
Is a personal loan right for you?
As a responsible lender, AA Money must make reasonable enquiries to ensure the loan is affordable for you.
In some cases, a personal 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 personal loan with AA Money, and your debts are becoming difficult to manage, please talk to us.
Frequently Asked Questions
Can anyone apply for a personal loan?
Yes, anyone who is a New Zealand citizen or has a New Zealand resident visa can apply for an AA Money Personal Loan. You also must be at least 18 years old when applying. All personal loans will be subject to our lending criteria, fees and standard terms and conditions.
Do I need to provide a vehicle to be used as security for personal loan?
Yes, AA Money needs security in the form of a motor vehicle that you own, of greater value than the personal loan amount requested. All personal loans will be subject to our lending criteria, fees and standard terms and conditions.
How much can I borrow?
AA Money's minimum loan amount is $5,000. You can use our online calculator to estimate the likely repayments to ensure that the loan is affordable.
*Lending criteria, fees, terms and conditions apply. Interest rates range from 12.00% to 19.45% 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.