AA Car Finance Initial Disclosure Document

Who are we and how can we help finance your purchase?

AA Car Finance is provided by Evolution Funding Ltd. Used Car Sites Limited, on behalf of AA Financial Services Limited, introduces you to Evolution Funding Ltd, which acts as a credit broker and not a lender.
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 introducer 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.

We are only able to introduce you to Evolution Funding Ltd.
Evolution Funding Ltd are a credit broker, and they use a limited panel of preferred credit providers to find a finance product that may be suitable for you.
Neither the AA or Evolution Funding Ltd will provide a recommendation or advice.
You must decide whether the finance product is right for you.

It is extremely important that you choose finance options that are suitable for your current (and potential future) financial situation.
If you are aware or suspect that your financial position will change in the future, you must inform Evolution when submitting a finance application.
If you do not make payments when due this could result in late payment fees, a negative impact on your credit file, repossession of your vehicle or legal action.
It is important that all the information that you provide to us is accurate and up to date.

AA Financial Services Ltd will receive a fixed percentage of the amount of commission paid to Evolution Funding Ltd by the lender.
The amount of commission varies based on the lender selected, the amount borrowed and the term.
You will be advised of the commission amount in good time before your agreement is signed.
We do not charge you a fee for making the introduction to Evolution Funding Ltd, however the commission received by both parties impacts the amount you pay.

For us to introduce you to Evolution Funding, you will need to provide us with some of your personal information.
Please read our privacy notice which lets you know what happens to the personal data we use and hold when you interact with the AA Cars or AA Car Finance.

We are committed to providing an inclusive and supportive experience for all our customers, including those who may be vulnerable due to personal circumstances. If you feel that you may require additional assistance, please let us know. We offer a range of support options to ensure you receive the help you need.
If you would like to discuss your needs or require support, please contact Evolution Funding at 01246 458 809 or [email protected] who will be happy to help.

If you wish to make a complaint about our credit broking service, please contact us using the information below.
We'll acknowledge your complaint within 5 working days. If things do take a little longer, we'll respond fully within 8 weeks, or explain our position and tell you how long a full response will take.

Write to:

Customer Solutions,
The Automobile Association,
Park Square, Birdhall Lane,
Cheadle SK3 0XN

If you are not satisfied with our Final Response or the handling of your complaint within the 8-week time frame, you can contact the Financial Ombudsman service using the details below. You must do this within six months of our final response.

Write to:

The Financial Ombudsman Service,
Exchange Tower,
London E14 9SR

This IDD was updated on 3/12/25