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A personal loan is a great way of helping you to put your plans into action, whether you're buying a new car, consolidating debt, planning for a special occasion or improving your home. And when you take out a personal loan from the AA, we'll give you six months' Home Emergency Response absolutely free.*
An AA Personal Loan could offer you
By applying for this loan Creation Consumer Finance could offer you an alternative loan should you be unsuccessful for an AA Loan. There will be no additional checks on your credit rating as a result of this offer
If you're an AA member you could get a loan at an even lower rate. Get more information about member loans here.
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.
* 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 Offer may be withdrawn or changed at any time.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.
Creation Consumer Finance Limited is authorised and regulated by the Financial Conduct Authority (FRN 311518). The status can be checked on the Financial Conduct Authority’s website or by calling 0800 111 6768
At the AA we offer unsecured loans, which are usually referred to as a 'personal loan'. An unsecured personal loan is an advance of money that is not secured by collateral such as your home.
A credit scoring will be undertaken to analyse whether you'll be accepted for an unsecured personal loan and will determine the amount of interest you will pay. The amount of interest you pay depends on your past history of meeting debts and repayments. Normally the better your credit rating, the lower your interest rate will be.
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.
Some lenders will charge a fee for arranging a loan, usually a one-off payment. An AA Loan has no arrangement fee.
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.
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'.
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.
This is a special rate loan to AA members. 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.
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.
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 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.
You may repay all or part of your loan early at any time. If you repay part of your loan early your monthly repayments will 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.
How much can I borrow?
Our loans are available from £3,000 to £25,000
How long can I borrow the money for?
You can repay your loan over 12 to 60 months (1-5 years). 1 year term only applicable for loans under £5,000.
What can I borrow the money for?
You can take out a loan for almost any reason including home improvements, buying a car, taking a holiday and a whole host of others.
What does 'representative APR' stand for?
The 'representative APR' (annual percentage rate) is the interest rate we charge to the majority of our customers who take out an agreement for a particular loan amount. We may offer a different APR based on your personal circumstances and the amount that you want to borrow.
How do I apply for an AA Loan?
You can apply online now.
What information do I need to apply for an AA Loan?
To complete your AA loan application we'll need:
What is credit scoring and how do you use it?
Using the information you have provided, together with details from a credit reference agency, we assess your application and give it a score. This score is then matched alongside our 'acceptance' score, which is based upon detailed analysis of our experience with previous applicants.
If your application reaches the 'acceptance' score, your application is accepted. If it does not reach this score, it is refused. Credit scoring evaluates the risks attached to an application. This doesn't mean that a refused applicant is a bad payer, but simply means that our acceptance requirements haven't been met.
Is there a fee for arranging my loan?
No, there isn't a fee to arrange your loan.
How quickly will I receive a decision on my loan application?
In many cases we are able to provide an approval decision instantly after you apply online, However there may be times when this isn't possible or we may need to request additional information.
How secure is my online loan application?
You can rest assured that every online loan application is protected by the latest 128-bit encryption security software.
What happens if I want to repay my loan early?
You may repay all or part of your loan early at any time. If you repay part of your loan early your monthly repayments will 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.Back to top
£7,500 over 60 months
at a fixed interest rate of 4.7% per annum would result in a representative APR of
monthly repayments of
and a total amount payable of