A personal loan is a great way of helping to put your plans into action, whether you're buying a new car, planning for a special occasion, consolidating debt or improving your home. As a thank you for being an AA member*, you could get an AA Loan at a reduced rate of 4.6% APR representative. And when you take out a member loan from the AA we'll give you six months' Home Emergency Response absolutely free.**
An AA Member Loan could offer you
Use our loan calculator to find out how much your fixed monthly repayments would be. One year term is available for loans under £5000.
If you are not an AA member you could still get a loan at a competitive rate. Get more information on Personal Loans
If you need help with your application or want to speak to someone about AA Loans please call 0800 096 8485
Our loan amounts range from £3,000 to £25,000. Use our loans calculator to find out more.
Before applying for a loan, please make sure the below are true:
APR stands for annual percentage rate. This is the total charge for the loan including fees and interest expressed as a percentage, which allows you to compare across the market.
* An AA member is defined as a holder of a current, valid breakdown policy purchased directly from the AA, or holder of a Member Rewards card through your insurance or other AA policy.
** Home Emergency Response (HER) provides cover against a range of common emergency situations including water leaks, electricity failure, being locked out of your home, and more. Excludes heating emergencies. For full terms and conditions see AA Home Emergency Response.
AA Loan customers will receive an email with instructions of how to activate their 6 months’ free Home Emergency Response within 28 days of their loan funds being received. You must activate your offer within 28 days of receiving the email. There is a 14 day claim-free period once activated.
Free six months' Home Emergency Response is only available to new AA Loan customers who have been accepted for a loan and had their loan funds paid to them. Customers with a current HER policy or those who have previously redeemed a free HER offer are not eligible for this offer. Offer may be withdrawn or changed at any time. Certain postcode restrictions apply. Limitations, exclusions, terms and conditions apply. You will not be charged for your free trial period although to activate your free cover you will need to provide payment details such as a debit or credit card. Eligible customers will be asked qualifying property questions before payment details are taken. Your Home Emergency Response Cover will be automatically renewed for 12 months when your free trial period ends using the payment details you provide. You will be sent a renewal letter four weeks before your free cover expires, so you’ll have plenty of time to change, upgrade or cancel your cover.
Home Emergency Response is underwritten by Acromas Insurance Company Limited, registered number 88716 (Gibraltar) and sold by Automobile Association Insurance Services Limited (AAIS). Automobile Association Insurance Services Limited is an insurance intermediary and is authorised and regulated by the Financial Conduct Authority, registration number 310562. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.gov.uk or by contacting FCA on 0800 111 6768. Automobile Association Insurance Services Limited. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA England and Wales. Number 2414212.
AA Loans are provided by Creation Consumer Finance Limited. AA acts exclusively in relation to loans as a credit intermediary for Creation Consumer Finance Limited. Registered Office: 6th Floor, Royston House, 34 Upper Queen Street, Belfast BT1 6FD. Registered in Northern Ireland NI32565. Correspondence address: Chadwick House, Blenheim Court, Solihull B91 2AA.
£7,500 over 60 months
at a fixed interest rate of 4.6% per annum would result in a representative APR of
monthly repayments of
and a total amount payable of