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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

Illustrative example

Subject to credit score
Total repayment of
APR of
Representative example:

Borrowing £10,000 at a representative APR of 12.4%, annual interest rate (fixed) 12.4%, 59 monthly payments of £221.08 followed by 1 payment of £231.08, total cost of credit is £3,274.80*, total amount payable is £13,274.80.

*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. Used Car Sites Limited, on behalf of AA Financial Services Limited, introduces you to Evolution and are each acting as credit brokers and not lenders. AA Financial Services Limited receives a commission from Evolution Funding Ltd, which can vary based on the lender and vehicle selected. By submitting an application for car finance you consent to the commission being paid and acknowledge AA Financial Services Limited is not acting impartially.

Speed icon

Fast

Instant decision and customer journey focused on delivering a smooth no-hassle experience.
Car icon

Flexible

With 30+ lenders we can help most car buyers.
Support icon

Hassle free

Personal adviser on hand to guide you through the process.
AA van

What does it mean for you?

AA Car Finance allows you to get a quote in minutes, without affecting your credit rating. Find a car from any dealer, and we'll do the rest.

  • With a large panel of 30+ lenders we can help most drivers
  • Eligibility quote valid for 30 days
  • Free One Year Basic AA Breakdown Cover with all car finance loans

AA car finance options

  • PCP (personal contract purchase)

    Pay a lower monthly payment than Hire Purchase and have the option of making a final large payment at the end of the term to own the vehicle outright if you want to.

    Find out more
  • HP (Hire Purchase)

    Make equal payments throughout the lifetime of your agreement and own the vehicle outright at the end of the term.

    Find out more
  • Leasing

    The simplest way to drive a brand-new car, with finance, servicing, maintenance, breakdown cover and car tax included.

    Find out more
  • Personal Loan

    A personal car loan, sometimes called an unsecured loan, can be used to finance any new or used car, and means you own it outright from day 1.

    Find out more

Not sure what finance is right for you?

Require initial deposit

Hire Purchase

Usually requires deposit

Personal Contract Purchase

Usually requires deposit

Personal Loan

cross

Leasing

Usually requires deposit

You own the car outright on Day 1

Hire Purchase

cross

Personal Contract Purchase

cross

Personal Loan

tick

Leasing

cross

Car is yours at the end of agreement

Hire Purchase

tick

Personal Contract Purchase

Optional

Personal Loan

tick

Leasing

cross

Optional final (balloon) payment

Hire Purchase

cross

Personal Contract Purchase

tick

Personal Loan

cross

Leasing

cross

Fixed monthly payments

Hire Purchase

tick

Personal Contract Purchase

tick

Personal Loan

tick

Leasing

tick

Excess mileage charge

Hire Purchase

cross

Personal Contract Purchase

tick

Personal Loan

cross

Leasing

tick

Secured against an asset

Hire Purchase

tick

Personal Contract Purchase

tick

Personal Loan

cross

Leasing

tick

Hire Purchase

Personal Contract Purchase

Personal Loan

Leasing

Require initial deposit

Usually requires deposit

Usually requires deposit

cross

Usually requires deposit

You own the car outright on Day 1

cross

cross

tick

cross

Car is yours at the end of agreement

tick

Optional

tick

cross

Optional final (balloon) payment

cross

tick

cross

cross

Fixed monthly payments

tick

tick

tick

tick

Excess mileage charge

cross

tick

cross

tick

Secured against an asset

tick

tick

cross

tick

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

Features and benefits

  • A decision in minutes
  • A personal finance adviser
  • Exclusive breakdown offers*
  • Large panel of 30+ lenders

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 – 6:30pm
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

Types of car finance

  • Camper van finance
*Breakdown offers - Terms and Conditions

Customers taking out AA Car Finance can get free basic breakdown for one year or existing members can get a discounted upgrade.

For new membership customers need to call 0330 053 0939 and quote the code provided in your loan confirmation email. This entitles customers to free basic breakdown for one year. This gives one call out a year for free if you are ¼ mile away from home. If we can't fix your vehicle at the roadside we will take it to the nearest repairer. You can use the call out from 24 hours after confirming and your vehicle must be considered roadworthy, have a valid MOT and tax and be within our vehicle dimensions (no motorhomes). Any additional callouts will be £99 per breakdown. You will not have access to the AA member benefits scheme or receive a membership card.

Also, with this code, for £1 a month, you can upgrade to our standard membership. This gives unlimited callouts for new faults at no extra cost plus membership benefits and access to our app.

For members, you can get a discounted upgrade (£10 for one year ) by calling 0343 316 4444 and with the code provided in the confirmation email you can quote for whichever upgrade you would like:

  • At Home
  • National Recovery
  • Onward Travel

Full Terms & Conditions

Offers are available to customers who have taken out AA Car Finance (Hire Purchase, Personal Loan or PCP) through Evolution Funding Ltd within the last 6 months and cover applies only for the vehicle on the agreement. To redeem, customers must call our call centre to unlock their personalised offers. Offers are not available in a breakdown situation. Cover will start 24 hours after activation. Offers are not available in conjunction with any other offer and are not available on any other AA products or services.

New AA member offers are available for the first 12 months of cover only and are not available to existing members. Discounts are not applicable to Smart Breakdown cover or Parts & Garage cover.

Existing member offers apply to existing AA Members who hold a full membership (excludes members who have Basic Breakdown membership) for personal use vehicles only. One discounted upgrade can be added to the customer's existing breakdown policy for the remainder of their policy year for the charge for £10 (or monthly equivalent).

Personal use means the vehicle is used only for private and domestic purposes and not for any commercial purposes such as: carrying people/goods for money, carrying equipment, tools or materials or trade, taking part in track days or any other sport.

Breakdown cover is subject to terms and conditions. Offers can be withdrawn or varied at any time.

AA breakdown cover is arranged by Automobile Association Insurance Services Limited. Registered office: Level 3, Plant, Basing View, Basingstoke, Hampshire, RG21 4HG. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority.

AA Car Finance is provided by Evolution Funding Limited. Used Car Sites Limited, on behalf of AA Financial Services Limited introduces you to Evolution Funding Limited and each are acting as a credit broker and not a lender. AA Financial Services Limited receives a commission from Evolution Funding Services for that introduction, and is not acting impartially in making the introduction. The amount of commission can vary based on the lender selected which is most appropriate for you and also the amount you borrow and the term the loan is borrowed over. You will be advised of the amount in good time before your agreement is signed. By submitting an application for finance you consent to the commission being paid and acknowledge AA Financial Services Limited is not acting impartially. Evolution Funding Limited Registered Office: Thompson Close, Whittington Moor, Chesterfield, Derbyshire, S41 9AZ. Registered in England and Wales with company number: 11354996 | Data Protection No: ZA481166 | VAT No: GB 315630330. Evolution Funding Limited are authorised and regulated by the Financial Conduct Authority, Registered No: 823324. Evolution Funding Limited are a credit broker and not a lender. Evolution Funding Limited work with a panel of lenders from whom they will receive financial remuneration which may be 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 [and will impact the amount payable by you]. AA Financial Services Limited and Evolution Funding Limited will disclose the commission to be received from the finance company prior to the order of the vehicle. This may be at point of finance proposal or once the order is placed. This may vary subject to the lender/finance company. AA Car Finance and AA Cars are trading names of Used Car Sites Limited (registered in England and Wales number 4546950), a credit broker and not a lender. Used Car Sites Limited is an appointed representative of AA Financial Services Limited for credit broking purposes. AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Ref no. 727859). Registered Office: Level 3, Plant, Basing View, Basingstoke, Hampshire, England, RG21 4HG. Registered in England and Wales number 912211. Finance subject to status. Terms and Conditions apply. A guarantee may be required. Over 18s only. PLEASE ENSURE YOU CAN AFFORD THE REPAYMENTS FOR THE DURATION OF A LOAN BEFORE ENTERING INTO A CREDIT AGREEMENT.
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