Manage your AA loan
We're ready to help you
General enquiries and support
For a general enquiry or if you have a problem, call us on:
0345 266 0124
Lines are open Monday to Friday 8am to 7pm, Saturday 8am to 2pm.
If you want to talk about an existing loan, call us on:
0345 266 0124
Please have your 19-digit Loan Agreement Number to hand. It starts with 0007292 and is on all the emails and letters we've sent you. Don't worry if you can't find it – we'll still be able to find your details.
Help with arrears
If you can't make your contractual payments, please call us on:
0800 032 8180
Lines are open Monday to Friday 8am to 7pm, Saturday 9am to 1:30pm.
What is an AA loan?
These FAQs will help you understand our loan product. Please read them carefully and all other information we provide.
If you want further information or have any questions, please get in touch. You can find our number in the documents we've given you or contact us.
A personal loan is where you borrow an amount of money and then pay it back each month over a set period. These monthly repayments also include interest. So, you'll end up paying back more than you borrowed.
You can use the money from a personal loan to spread the cost of more expensive items.
For example, if you want to make home improvements or buy a car but don't have the money upfront. A loan gives you the lump sum you need, and you can pay it back each month over time.
You shouldn't use a personal loan to pay for day-to-day living. Or as a deposit for other credit arrangements, like a mortgage.
You also shouldn't use it to repay gambling-related expenses. Or to invest in or trade in cryptocurrencies or other investments like stocks and shares.
With a debt consolidation loan, you can combine all your debts together into one loan. You borrow enough money to pay off all your current debts, so you only owe money to one lender.
This could help make things simpler and potentially reduce how much you pay each month. Because you'll only have one loan, one interest rate and one monthly repayment to manage. In some cases, you could end up paying more interest over a longer term, so please seek independent debt advice before applying for our loan, to make sure it's the right choice for you.
An Annual Percentage Rate (APR) is a way of showing how much it would cost to borrow money over a year. It includes the loan’s interest rate, how often interest is charged (daily, weekly, monthly or yearly) and any extra fees or costs. Looking at APRs can be a useful way of comparing different loans.
In most cases, you'll have received an instant online decision on whether you've been accepted for a loan.
Sometimes we'll need to post the Loan Agreement to you. You'll need to check all the details, sign the agreement and return it to us by post. We'll then transfer the money to your account.
In some cases, we may need extra information or documents. If we do, we'll be in touch with you by post within 5 days.
Yes. You have 14 days to cancel, starting from when you receive your loan.
If you do change your mind about taking out a loan, contact us during your 14-day cooling-off window to cancel.
If we turn down your application, it will be because of one or more of the following reasons:
- Credit reference or fraud prevention agencies may have held information about you that has been interpreted as negative; or
- You may have applied for another AA Loan in the last 30 days. Or applied for a loan with one of the Bank of Ireland's other UK partners, like The Post Office; or
- Your application may not have met one or more of the initial eligibility requirements. For example, having a regular income above £12,000 a year; and/or
- Based on your household finances, we believe the repayments of the loan you applied for would have been too high. Missing loan repayments can have severe consequences on your ability to get future credit.
If you're not happy with the decision, you can contact us by phone. Or you can write to AA Loans, PO Box 248, Sheffield S98 1QF.
We can't guarantee that we''ll change our original decision. To support your appeal, you'll need to provide new, relevant information which wasn't given to us when you first applied.
I already have an AA Loan and need help with it
We'll take your first repayment one month after you get your loan. You'll find the exact date on your welcome letter. If your repayment day is on a bank holiday or weekend, we'll take the repayment on the next business day instead.
We'll take your loan repayments each month by Direct Debit from the account you've chosen. You'll find the repayment amount and the number of payments in your Loan Agreement.
Before signing the Loan Agreement, make sure you can make the monthly repayments. You should also check that you have enough money in your account.
If you want to change the account you use for your repayments, contact us by phone.
Yes. To change your repayment date, contact us by phone and tell us which day of the month is best for you. You can only change your repayment date once each year.
If you miss a loan repayment, we'll try to take the payment again within one week.
If you're struggling to make repayments for any reason, we're here to help. Contact us by phone to discuss your options.
If you're struggling to keep up with your loan repayments for any reason, we're here to help. Contact us by phone to discuss your options.
Or there are various organisations that can provide free, confidential and impartial advice. See the Other help and guidance section for more information.
If you're already in touch with an organisation that's giving you financial advice, we can deal with them directly if you'd prefer. Please let us know.
No, an AA Loan doesn't come with a payment break option.
If you need to update your personal details, contact us by phone.
Yes, you can pay off all or part of your loan anytime. We call it an Early Settlement. Read more about Early Settlements here.
If you want an Early Settlement, you may be charged up to 58 days' interest.
To pay off your entire loan, you'll need to ask for an Early Settlement quote by contacting us by phone. Or write to AA Loans, PO Box 248, Sheffield S98 1QF.
To make a partial Early Settlement, call us to make a debit card payment. When you make this extra repayment, we'll reduce the length of your Loan Agreement unless you ask us not to.
To get the outstanding balance of your loan, contact us by phone.
We can provide documentation in Braille, large print or audio. If you need documentation in any of these formats, contact us by phone. Or write to AA Loans, PO Box 248, Sheffield S98 1QF.
No, you can't add extra money to an existing loan.
I’d like to speak to a real person
You can contact us by phone. We're open Monday to Friday 8am to 7pm, Saturday 8am to 2pm.
Other help and guidance
You can't use an AA Loan to invest in or trade in cryptocurrencies or other high-risk investments.
This is because the value of cryptocurrencies or stocks and shares can rise or fall. Which means you could lose some, or all, of your money.
The market for cryptocurrencies is available 24/7. This access could negatively impact anyone struggling with a compulsion like gambling. To get free advice and support for gambling or trading compulsion, visit GamCare.
Are you worried about someone tricking or forcing you into taking out a loan?
With some fraud scams people may ask you to take out a loan for them or for an investment opportunity.
To protect yourself from this kind of fraud, you can find advice from the Government and UK Finance on the Take Five website.
Or if you feel like you’re being pressured, coerced or manipulated into taking out a loan, MoneyHelper has impartial advice for you.
Remember, only apply for a loan for your own use.
You're responsible for any loan taken out in your name, even if you give the money to another person.
Our Lending Standards Board commitment
Bank of Ireland UK follows The Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board (LSB). You can find a copy of the Statement of Lender and Borrower responsibilities here.
Have you had an AA loan between 2009 and 2015?
Please use the below addresses to get in touch with these previous providers of AA Loans. They'll need your name and address at the time of taking out the loan out, plus your Loan Agreement Number.
Loans taken out between December 2013 and October 2015
Creation Consumer Finance Ltd
Solihull B91 2AA
Loans provided by Co-operative Bank between August 2009 and November 2013
PO Box 101
1 Balloon Street
Manchester M60 4EP
Your personal information
We take your privacy seriously, and want to be clear about how we use your personal information.
You should therefore read these privacy notices:
- The types of personal information we collect.
- How we use your personal information.
- With whom we share your personal information.
- Your personal information rights.
Bank of Ireland UK adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board (LSB). A copy of the Statement of Lender and Borrower responsibilities is available here.
AA Financial Services Limited (AAFS) acts as a credit intermediary and introduces customers to Bank of Ireland (UK) plc as its exclusive loans provider.
AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 912211.
Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 512956. You can confirm this registration on the Financial Services Register on the FCA website. Registered in England and Wales number 7022885. Registered office: Bow Bells House, 1 Bread Street, London EC4M 9BE.