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Before we get started

It only takes a few minutes to apply for an AA Car or Personal Loan. You'll be advised of the decision at the end of the online application. Acceptance is subject to status.

To apply for an AA Loan you'll need to confirm that you:

  • Have been a UK resident for at least 3 years
  • Are over 21 and no older than 70 when the loan term ends
  • Have a regular income above £12,000 a year. If self-employed, you must have been so for over 2 years
  • Have a good credit rating without a history of County Court Judgment or bankruptcy
  • Have a UK based bank or building society account that can pay direct debits
  • Ensure that you can meet the repayments as missed payments incur a charge and could have severe consequences on your ability to obtain future credit

To complete the application you will need:

  • your income and employment details
  • the sort code and account number of your bank or building society account
  • your previous address if you have lived at your current address for less than 3 years

Bank of Ireland UK adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: http://www.lendingstandardsboard.org.uk.

A copy of the Statement of Lender and Borrower responsibilities is available here.

AA Financial Services Limited (AAFS) acts as a credit intermediary and introduces customers to Bank of Ireland (UK) plc as its exclusive loans provider.

AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales (912211). Bank of Ireland (UK) plc is authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority. Bank of Ireland (UK) plc is incorporated in England and Wales (7022885). Registered Office: Bow Bells House, 1 Bread Street, London EC4M 9BE. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc.