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Car buying that works for you

Find it. Finance it. Drive it away

Get a quote Check you're eligible

We make sure car buying is quick and easy, so you're happy with your purchase and ready for the open road. Just choose your car, calculate your payments and get a quote in minutes. We'll then help you sort the right deal and make sure it all goes smoothly – just what you'd expect from one of the UK's most trusted brands.

AA Car Finance is provided by Evolution Funding Limited

Car Finance Calculator

Credit ratings explained

Excellent
  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJ’s, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed
Good
  • You are on the electoral role
  • 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 CCJ’s
Fair
  • You are or have recently been on the electoral role
  • 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 CCJ’s
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
Excellent
£ 10,000
48 Months

Repayment total

APR *Depending on credit score

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. *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.

Why AA Car financing?

Choose your car, apply for finance, buy it, and then get your free membership. It's that easy. We have teamed up with some fantastic providers to help find you a car and finance that works for you. You'll also get:

  • A decision in minutes
  • A loan with one of our 31 lenders
  • Car buying advice from a skilled car buying team
  • A test drive arranged with the dealer
  • If you choose to buy a car from an AA Cars dealer, you'll receive free breakdown cover for a year, or a membership upgrade

Your finance sorted in five easy steps

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Choose from over 150,000 cars
lenders-icon£

A choice of 31 lenders
approval-icon

Get approval in minutes
help-icon

Help with your final purchase
breakdown-icon

Free AA breakdown cover or membership upgrade
△

Search thousands of cars and vans with our network of dealers across the UK.

Add your postcode for better results
Examples: ford fiesta or mercedes c class diesel automatic

We've teamed up with some of the UK's biggest names to find the right car finance thats right for you. With competitive APR rates from just 6.9%, and a quick and easy application process, we aim to provide customers with a smooth car buying experience. We'll contact you immediately to let you know whether you have been accepted or whether we require more information from you to make a decision.

We'll contact you immediately to let you know whether you have been accepted or whether we need more time to make a decision. Our application process includes a single soft credit check which will not impact on your credit score.

Your personal AA Car Finance advisor will look after your application and make sure it all goes smoothly.

They will:

  • Ensure you qualify and are eligible for the car loan
  • Collect and verify your documentation
  • Issue your Finance Agreement
  • Liaise with the dealer and help your purchase run smoothly
  • Answer any questions you have relating to the car loan

Free AA breakdown cover or membership upgrade

You can apply for 12-months of Basic Breakdown Cover, or free upgrade for the remainder of your membership, with any car bought through an AA Approved Dealer.

Apply now

Prefer to talk it through?

Call us 01246 458809

  • Monday to Friday      9.00am – 7.00pm
  • Saturday & Sunday   10.00am – 4.00pm

Email us AACarFinance@evolutionfunding.com

Need some inspiration? Read our helpful guides

Car for sale

Buying a used car

Looking to buy a used car? Here's some help and advice to get you through to purchase.

Find out more
Car inspection

Used car checklist

Use our comprehensive checklist to ensure you know what to look for when buying a used car.

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Holding bank card

Driving costs

Considering car tax, insurance and fuel consumption before you buy will help keep costs to budget.

Find out more

Answers to the most frequently asked questions

How does AA Car Finance work?

Choose the car you want to buy, calculate your payments with our simple car finance calculator, and get a quote in minutes.

Can I use any car dealership?

Yes, as long as it’s a reputable UK dealer. We can actually help you find a car from one of our Approved Dealers, if you’d rather make sure you’re in safe hands. These are dealers that have been vetted by AA Cars – they’ve had the required financial checks and hold the relevant trading licences. What’s more, all their cars come with a free history check and 12 months of AA Breakdown Cover. Find a car.

What if I don’t know which type of car I want to buy?

No problem. It’s very common for car buyers to source a loan before committing to a car. Check out our user car reviews to help you decide. Once you’ve decided on the right car for you, and found the perfect new set of wheels, you can then amend your loan amount and duration to suit, as long as it doesn’t go over five years.

Can I use AA Car Finance to buy a car privately?

Yes, we can offer you a personal loan for private car purchases.

Do I need to sort out car finance before going to the dealership?

It makes sense to sort finance beforehand, so you can walk into the showroom knowing exactly what you can afford in terms of purchase price and monthly repayments. It’s important to get pre-approval and understand your credit rating, as this determines the rate you qualify for. With a panel of 31 lenders, AA Car Finance can quickly determine what type of finance is available to you, based on your personal and financial circumstances. So you're in full control when you get to the forecourt.

What’s pre-approval?

Loan approval is a two-step process. First, you give some basic information to get pre-approval – this is like an agreement in principle to lend you an amount of money. A provisional green light. It’s a soft credit check that won’t affect your credit rating. If you then want to go ahead with borrowing, you then need to confirm some more details and get a hard credit check before gaining full approval. Use the eligibility check now.

How do I find out if I’m eligible for AA Car Finance?

Anyone can see eligibility within minutes. We just need some basic information so that lenders can carry out a soft credit check. They’ll then confirm whether they can offer you a loan, and what the likely APR will be. This soft check will not affect your credit rating. Use the eligibility check now.

Will there be a credit search when I use the eligibility check?

We’ll run a soft credit search as part of the eligibility check – this will give you an indicative rate based on your desired loan amount and credit score, but it won’t leave a mark on your credit file.

What's the difference between a soft credit search and a hard credit search?

The initial, soft, credit search using our eligibility check is a simple background check. Examples of these searches could be checking your own credit score, a background check, and pre-approved loan offers. None of these will affect your credit rating, they simply go on your credit file as a trace.

A hard credit search is only completed if you apply for a loan. Hard searches will show up on your credit profile and may affect your score, although in many cases only temporarily. AA Car Finance will only complete a hard credit search when absolutely necessary, and will request your explicit permission before doing so. Find out more.

If I have a bad credit history, can I still get Car Finance?

You may still be eligible for AA Car Finance even if you have a poor credit history. Our partner, Evolution Funding, will review your personal circumstances, such as employment status, age, income and loan size, alongside your credit history. You'll then find out the exact interest rates and payments they can offer you. Use our online eligibility check.

What does APR mean?

APR stands for Annual Percentage Rate of Charge. This includes charges and arrangement fees.

What's the difference between representative and exact APR?

When you borrow money, you will often see an ‘APR' (Annual Percentage Rate) advertised. This is slightly different from the interest rate because it’s made up of the interest rate plus any fees that are automatically included in your loan (eg arrangement fees). The APR is particularly useful as it provides a benchmark so you can compare similar financial products. Where the term 'representative APR' is used, this means 51% of successful applicants will be given the advertised interest rate. For others it could be higher or lower. The AA Car Finance eligibility check will show what your likely APR will be, based on your credit score and desired loan amount.

Do I need to be an AA Member to apply for AA Car Finance?

Not at all. Everyone is welcome to buy a car or arrange finance with the AA.

Do I have to buy the car through AA Cars to use AA Car Finance?

No – you can buy from any reputable UK dealer. But remember that all AA Cars come with a free history check and 12 months of free AA Breakdown Cover. Find out more.

How long will it take to get the money?

Every lender differs. Some can get you the funds same day. However, it's usual for the money to come through in about three to five days. You can then arrange with the dealer to pick up your new car.

Do I need to be on the electoral roll to be approved for AA Car Finance?

Not necessarily, although it could affect your credit score if you're not.

How do I calculate my deposit?

Your deposit is the amount of money you have available to pay the dealership upfront. This could include savings and/or the value of a current vehicle as a part-exchange, and it’s taken off the total sum of the car you’re buying.

Can I use or part-exchange my old car, as a deposit?

Traditionally, most car dealers will take your old car as part-exchange for the new one. Part-exchanging online is different though. You'll need to actually sell your car in order to use it as a deposit for your new car. You can actually sell your car online with the AA, thanks to our partnership with Wizzle. Get a free car valuation and we can quickly help you find a reliable buyer.

What if I find a different car part-way through my application – can I change?

Yes, we can work with you to change your application to include a different car. Remember, though, that this may affect the rate and the lender we can offer you.

How do I apply for AA Car Finance?

If you’ve used the eligibility check and found a car to buy, you can apply online with a few important things to hand:
• Dealer's name and postcode.
• The vehicle registration number.
• Current mileage of the new car.
• The price.
• The amount of deposit you have.
We'll also need to ask details about your finances, such as your monthly income, outgoings, and existing financial commitments.

What paperwork do I need?

Each lender has its own requirements for proof of identity. You’ll need your driving licence, as a minimum.

Is Car Insurance included as part of AA Car Finance?

Not currently. But if you want to know more about insuring your new car with us, visit AA Car Insurance.

Can I pay off the loan early?

Yes, you can pay off your loan at any time without incurring any early repayment charges. You will receive a rebate of interest if you pay off the loan early. You can also make overpayments with most of our lenders to help shorten the length of your loan.

How do I get started?

First you can use our calculator to compare options available to you. You can then apply using the registration of the car you want to buy. You can apply without a car registration, we simply add this detail later. We’ll then complete an affordability assessment and, subject to your application being accepted, we’ll find you the most suitable product and lender, and give you an offer. We will then work with you and the dealer to finalise the purchase, and you can soon drive away in your new car.

Can I talk to someone about all the options available to me instead of looking online?

Yes of course, if you prefer to speak to one of our personal advisers, just call AA Car Finance on 01246 458809.

How do I contact AA Car Finance?

Call 01246 458809 or email AACarFinance@evolutionfunding.com. The team are available from Monday to Friday, from 9am to 7pm, and Saturday and Sunday, from 10am to 4pm.

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 12 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 Group Privacy Notice
AA Car Finance is a brand style 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). Used Car Sites Limited (trading as AA Cars) is a credit broker which introduces AA Car Finance customers to Evolution Funding Limited. Evolution Funding Limited is authorised and regulated by the Financial Conduct Authority for credit brokerage (firm reference number 669005). Registered address: Thompson Close, Whittington Moor, Chesterfield, Derbyshire, S41 9AZ. Evolution Funding Ltd and Used Car Sites Limited are credit brokers not lenders. 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. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers and they may provide an incentive to us to do so. Prices, offers and information correct at time of publishing.

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