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AA Car Finance

Get a quote in minutes

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

Illustrative example

Subject to credit score
Total repayment of
APR of
Representative 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.

*The representative example includes an estimated option to purchase fee of £10. This is subject to status and although fees may vary in amount and when payable, the total cost of credit and APR received will not alter. This representative example is for illustration purposes only and does not constitute an offer. Written quotations are available on request and finance is subject to status.

AA Car Finance is provided by Evolution Funding Ltd. AA Cars introduces you to Evolution and both are brokers and not lenders. The payment received by the AA from Evolution will vary dependent on your chosen lender.

Speed icon

Fast

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

Flexible

With 31 lenders we can help most car buyers.
Support icon

Hassle free

Personal adviser on hand to guide you through the process.

Simple steps to flexible finance

  1. Check your eligibility
  2. Calculate monthly repayments
  3. Find a car
  4. Apply for car finance
  5. Get the funds and drive away
Check eligibility

Ready to get cracking?

Finance themed illustration

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

I wanted to express my delight at the way my recent car purchase and finance arrangement was handled. This is the first time I have undergone this process, and I cannot believe how easy it was! All people that have assisted me have been really helpful and provided fantastic customer service from start to finish. A very smooth process, and I have been impressed by the speed that it all was completed. I am looking forward to picking up my new car.

Ms K. Barton, 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 7.9% 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 [email protected]
Monday to Friday
8:30am – 7:30pm
Saturday and Sunday
9:00am – 5:00pm

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.

View all FAQs

Terms and conditions

Non Member and existing Member AA Breakdown Cover offer terms

The free Basic Breakdown Cover and the existing Member offer are only available when a vehicle is purchased through AA Cars and must be redeemed within 6 months of purchase. The Basic Breakdown Cover offer is for non-members only. This offer is only available for the first 12 months of cover. Existing Members who take up the free upgrade will be renewed automatically for the selected upgrade unless we are told otherwise. The upgrade is for the remainder of the membership year thereafter the renewal price will be the standard price (at the time of renewal) for the chosen level of cover.This offer is not available in a breakdown situation and can be withdrawn or varied at any time. Breakdown Cover is subject to terms and conditions. AA Breakdown Cover is arranged by Automobile Association Insurance Services Limited. Registered address: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212. Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority.

Evolution Privacy Policy
AA Cars Privacy Notice
Customer terms & conditions
AA Car Finance and AA Cars are trading names of Used Car Sites Limited. Registered address: Fanum House, Basing View, Basingstoke, Hampshire, RG21 4EA. Used Car Sites Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 671360). AA Cars introduces AA Car Finance customers to Evolution Funding Limited. Evolution Funding Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 823324). Registered address: Thompson Close, Whittington Moor, Chesterfield, Derbyshire, S41 9AZ. Evolution Funding Limited and Used Car Sites Limited are credit brokers not lenders. Evolution Funding Limited is only able to offer a range of finance products from a group of carefully selected credit providers, which may be suitable for you and they will explain the key features of these products to you. AA Cars receives payment from Evolution Funding for introducing you to them. The amount AA Cars receives does not impact the amount that you pay the lender or the interest rate you are offered. The payment received is based on a fixed fee or a percentage of the amount you borrow, varying by lender, the amount you borrow and the term the loan is borrowed over. AA Cars will not charge you any fee for our services. Finance subject to status. Terms and Conditions apply. A guarantee may be required. Over 18’s only. PLEASE ENSURE YOU CAN AFFORD THE REPAYMENTS FOR THE DURATION OF A LOAN BEFORE ENTERING INTO A CREDIT AGREEMENT.

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