Thank you for your interest in AA Loans

We are not currently accepting any new loan applications

If you have a query about an existing AA Loan

If your loan was taken out after December 2013, you can manage your account online.

  • For general enquiries please call 0845 241 1308

Lines open Monday to Friday 8.30am to 9pm, Saturday 8.30am to 7.30pm, Sunday 10am to 6pm.

Calls cost 2p per minute plus your phone company's access charge. Cost of access will vary. Please check with your phone provider.

If your loan was provided by The Co‑operative Bank

Taken out before December 2013

  • For general enquiries please call 03457 212 212

Lines open Monday to Friday 8am to 9pm, Saturday 9am to 6pm, Sunday 9am to 6pm

If you are experiencing financial difficulties call 0800 028 8696 or visit‑

If your loan was taken out before August 2009


  • For general enquiries or if you are experiencing financial difficulties please call 0345 606 1651

Lines open Monday to Friday 8am to 10pm, Saturday 8.30am to 6pm, Sunday 9.30am to 6.30pm

Personal loans explained

Typical unsecured personal loan amounts vary, but most will be between £1,000 and £25,000, and are repaid over one to five years. You can use an unsecured personal loan to buy a car or pay for home improvements, for special events like weddings and holidays, or to consolidate your existing debt.

Some common loan terms are described in more detail below and can help you understand the application process.

Arrangement fee

Some lenders will charge a fee for arranging a loan, usually a one-off payment.


CCJ stands for County Court Judgement. These are usually issued if you have defaulted on payments of previous debt. Having a CCJ will usually affect your credit score and ability to borrow money in the future.

Credit reference agencies and your credit rating

When borrowing money you agree that the lender can check your credit rating. Your credit history will be held by a credit reference agency such as Experian or Equifax. You can access your credit history by visiting a credit reference agency's website.

Debt consolidation

If you have outstanding debt spread across a number of other loans, credit cards or store cards, you can combine these into one loan with one fixed payment. This is called 'debt consolidation'.

Fixed repayments

This is a regular fixed monthly repayment amount payable for the duration of your loan.

Fixed interest rate loans

These are fixed and can't be changed by the lender or the customer for the term agreed. Even if the Bank of England change the base rate, your loan rate will remain unchanged, giving you added peace of mind.


A loan is a sum of money which is borrowed and paid back, usually with interest over a period of time.

Payday loan

Payday loans are usually smaller amounts repaid over 30 days, and carry a higher interest rate. These loans typically cover your expenses until you receive your monthly salary. Amounts are typically between £100 and £1,000, and interest rates can be high. We don’t currently offer payday loans at the AA.

Representative APR

The 'representative APR' (annual percentage rate) is the interest rate we charge to the majority of our customers who apply for a particular loan amount. We may offer a different APR based on your personal circumstances and the amount that you want to borrow.

Secured loans

Secured loans or homeowner loans are larger amounts – between £15,000 and £200,000. They are secured on your property – either a property you own or have a mortgage on. So if you can't meet repayments, you risk losing your property. We don't currently offer secured loans at the AA.

Settlement figure

You may be able to repay all or part of your loan early at any time. If you repay part of your loan early your monthly repayments may be reduced but the duration of the loan period will remain the same. If you settle the loan early in full, you may have to pay interest on the amount repaid or the amount of interest that may be payable depending on the length of your loan.


This is the period of time over which the loan has been taken.

Managing your finances

Managing debt

Useful contacts
The following teams and organisations offer useful advice in relation to debt management, and we recommend that you take the opportunity to take their free advice. They will be able to help with any questions and suggest a suitable course of action.

Citizens Advice Bureau
The Citizens Advice service can help you sort out money, legal or other problems by providing free advice and information. You'll find your nearest Citizens Advice office listed in the phone book.
Or visit

Money Advice Service
The Money Advice Service is set up by government and offers free and impartial money advice. Telephone 0300 500 5000
Or visit

StepChange Debt Charity
This is a registered charity that provides free, independent and realistic debt management advice. Telephone 0800 138 1111.
Or visit

Debt Line
This is a free helpline for people with debt problems. Telephone 0808 808 4000.
Or visit

Not an actual debt management charity (DMC), but is the largest UK network of advice organisations. Please note that they do not give advice themselves. They have contact details listed for most DMCs and other organisations that can help customers with their debt problems. Telephone 0300 777 0107.
Or visit

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