Simple steps to flexible finance
- Check your eligibility
- Calculate monthly repayments
- Find a car
- Apply for car finance
- Get the funds and drive away
Ready to get cracking?
Apply right now
Car finance calculator
Instantly see monthly repayment options to work out what you can afford.
Fast
Flexible
Friendly
Representative APR 13.9%
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
Nicole, AA Car Finance customer
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.
Mr Purnell, 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.
Car finance explained
We’re on a mission to demystify car finance, make everything more transparent, and clearly explain the basics.
All car finance providers are not the same. 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. That means you can get a great rate and we have rates from 6.9% to 29.9% APR to suit most customers’ 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 explainedContact us
If there's anything you'd like to discuss, just call or email:
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.
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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.
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Who can apply?
At AA Car Finance, we allow anyone to see if they’re able to get finance within minutes. You just need to give us some information, and we’ll allow lenders to carry out a soft credit search to see if they can offer you a good deal. This will not affect your credit rating.
Credit is subject to status and additional affordability checks.
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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.