AA Car Finance

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Calculate your repayments and apply online.

Credit ratings explained

Excellent

You are a home owner
You have been on the electoral roll for a long period of time
You have current credit arrangements and mortgage with no defaults
You have no CCJs, credit arrears or missed payments
You rarely apply for credit
You are employed or self-employed

Good

You are on the electoral roll
You are a home owner or long standing-tenant
You have a stable employment history
You have current credit arrangements with occasional missed payments
You have no CCJs

Fair

You are or have recently been on the electoral roll
You may have recently changed address
You may have occasional missed payments
You may have an old CCJ
You may have regularly applied for credit

Poor

You may have had frequent changes in address
You may not be traceable on the voters roll
You may have exceeded credit card limits
You may have missed payments on current agreements
You may have had a CCJ in the past

Bad

You may not be traceable on the voters roll
Your credit cards are over their limits
You have recent CCJs
You may have been refused credit elsewhere
You may be in a debt management plan

I'd like to borrow

Over a period of

My credit score is

Monthly payment Subject to credit score

Total repayment of
APR of

Check if you are eligible

It’s easy, secure and won’t affect your credit score

Check my eligibility

Illustrative example:

Borrowing at a representative APR of 13.9%, annual interest rate (fixed) 13.9%, monthly payments of £170.88 followed by 1 payment of £180.88, total cost of credit is £2,762.80, total amount payable is £10,262.80.

AA Car Finance is provided by Evolution Funding Ltd.

Speed icon — Instant decision. And typically only 4 days from application to pay-out.

Car icon — With 31 lenders we can help most car buyers.

Support icon — Personal adviser on hand to guide you through the process.

Simple steps to flexible finance

Check your eligibility
Calculate monthly repayments
Find a car
Apply for car finance
Get the funds and drive away

Check eligibility

Ready to get cracking?

Get a quote now

What does this mean for you?

A decision in minutes
No impact on your credit file until you accept the loan
A personal finance adviser
Free 12 months breakdown cover*
Large panel of 31 lenders

It’s such a refreshing change to deal with someone who’s patient, calm, and doesn’t apply too much pressure. I’ve actually really enjoyed the process of working with you to secure the finance for my new car.
Nicole, AA Car Finance customer

The lady who helped me through the process was brilliant and explained everything from start to finish. If everyone was as good at their job as she is, the world would be a far better place. A real credit to your company.
Mr Purnell, AA Car Finance customer

Car finance explained

We’re on a mission to demystify car finance, make everything more transparent, and clearly explain the basics.

AA Car Finance is here to simplify your next car purchase by allowing you to choose your car and finance all in one place.

When you buy a new or used car on finance, you borrow the money against the car - which means you can get a great rate. Our rates range from 6.9% to 29.9% APR to suit most needs.

We cover the majority of UK dealers and can arrange funding on most cars.

Watch our video on how to apply for car finance.

All AA Car Finance customers get a personal finance adviser who’s by their side throughout the whole process. Just one of the things that sets us apart from everyone else.

Car finance explained

Contact us

If there's anything you'd like to discuss, just call or email:

Call us now Email us

01246 458 809

aacarfinance@evolutionfunding.com

Monday to Friday: 9am – 7pm
Saturday and Sunday: 10am – 4pm

Want to know more?

Answers to some of the most common questions.

What is car finance?

Car finance is a credit agreement made between you and the lender which allows you to buy a car. When you buy a new or used car on finance, you borrow the money against the car. Unlike a personal loan, we’ll pay the dealer directly once you’ve agreed all the details. Then you repay a fixed amount each month until the end of the plan.

We can arrange finance for most cars and vans and cover the majority of UK dealers.
Who can apply?

At AA Car Finance, anyone can see if they’re able to get finance within minutes. You just need to give us some information, and we’ll let lenders carry out a soft credit search to see if they can offer you a good deal. This won't affect your credit rating.

Credit is subject to status and additional affordability checks.
How does the application process work?

To apply for car finance with AA Car Finance, you’ll need to enter some of your personal details alongside your budget and/or what car you want. This takes less than three minutes, and will enable our lenders to perform a soft credit search for hire purchase loans. Once we have the right details, we will be able to give you an instant decision with the amount you’ll pay each month, the exact APR, and how much the total cost of the loan will be. If we need more information from you to place you with a lender, we’ll give you a call to discuss.

The quote will be valid for 30 days, so it gives you time to look for your dream car if you haven’t already found it. Once you have decided, you’ll need to provide the details of the car and of your approved dealer. The money will be transferred to the dealer and you’ll receive the deeds to the car when you collect it.

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