Before you apply, you will need:

details
Your current New Zealand full or restricted Driver Licence
employment
Your employment details
incomes
Details of your income, expenses, assets & liabilities
vehicle
Vehicle details to secure your personal loan

In order to proceed with this application:

You must be a New Zealand citizen or have a New Zealand resident visa and you must be at least 18 years old
The loan amount you are applying for must be at least $5,000
By ticking this box, you confirm that:
  • You meet each of the requirements set out above
  • You understand that AA Money is a trading name of UDC Finance Limited (UDC) and our lending criteria applies to this loan application
  • You have read the Privacy Statement and you understand that it applies to your loan application
  • You have read the Financial Advice Statement and you understand that any recommendations made by us in relation to your loan are not regulated financial advice

To make things easier for you we now provide

ID verification made easy with:
aplyid
We use APLYiD to verify your identity via your mobile phone
More information about APLYiD
Secure income and expense verification with:
bud
We use Bud to verify your income and expenses online
More information about Bud

What is your personal loan for?

Required

Are you an AA Member? *

Required
Required
Required
Required

Vehicle details for your secured personal loan *

Required
Required
Required
Please add Purchased Item

Your personal information

Is this a single or joint application?  *

Required
Required
Required
Required
Required
Required
Required
Required
Required
Required
Required
Required

Are you a New Zealand citizen or resident?  *

Required
Required
Required

Your address details

Required
Required
Required
Required
Required
Required
Postal address
Required
Required

Previous address details

Required
Required
Required
Required
Required
Required

Employer information

Required
Required
Required
Required
Required
Required

Do you receive other income?  *

Required

Is your income likely to decrease over the next 12 months  *

Required

Tell us about your assets ?

Do you rent or own your home?  *

Required
Value
Vehicles
Furniture and household items

What are your financial commitments?

Limit
Monthly payments
Credit cards ?
Balance
Monthly payments
Loans ?
Total monthly payments
$ 0,000

What is your recurring household expenditure?

Monthly payments
Utilities Icon
Utilities ?
Living Expenses Icon
Living expenses ?
car Icon
Motor vehicle ?
people Icon
Dependent education ?

What are the other things you consider essential and cannot give up e.g. Child Support?

Total monthly payments
$ 0,000
Required

To speed up your application you can choose to also complete these optional steps now:

Main applicant:
Start ID verification using AplyID
We use APLYiD to verify your identity via your mobile phone
More information about APLYiD
Start income and expense verification using Bud
We use Bud to verify your income and expenses online
More information about Bud
Co-borrower:
Start ID verification using AplyID
We use APLYiD to verify your identity via your mobile phone
More information about APLYiD
Start income and expense verification using Bud
We use Bud to verify your income and expenses online
More information about Bud

You can also choose to upload the following documents as part of your application:

Documents you can upload
  • Proof of address:
    (one of the following)
    • Utility bill
    • Bank statement
    • Rates bill
    • Insurance policy
    • IRD tax notification/Certificate
  • Not required if using AplyID
    Primary ID documents:
    • Passport
    • Drivers licence

Upload documents

Thanks, for your application

Next steps

We will process your application in the next business day
We will process your application in the next business day
We need proof of your income.
We need proof of your income. We may also need to verify the financial information you have provided in which case we will require your last 3 months of bank statements
call UDC
If you have any questions contact us by phone on
0800 322 888