x
Aa logo beam 250x 250
The AA theaa.com FREE - In Google Play!
View

Information Coronavirus and your mortgage, savings and loans Find out moreFind out how we can help you

Top up your loan

Need to borrow more?

Manage your finances with us – you could top up your current AA loan or take out a second one

Get a quote and apply

  • Usps white tick
    Low rates from 2.9%

    Our rates vary depending on the amount you want to borrow, your chosen term and your credit rating.

  • Usps white tick
    No obligation quote

    A personalised quote that won't affect your credit rating.

  • Usps white tick
    Acceptance indicator

    Know if you're likely to be accepted before you're credit scored.

Option 1 – Top up your current loan

We can set up a new loan that combines your remaining balance with the extra amount you want to borrow. You'll then continue with single monthly repayments.

We can set up a new loan that combines your remaining balance with the extra amount you want to borrow. You'll then continue with single monthly repayments.

FEATURES
  • Single monthly repayments
  • Exclusive lower loan rates for Members*
  • From 2.9% APR Representative
  • Instant decision in most cases
  • Make extra payments or pay off your loan early with no charges
  • No arrangement or set-up fees

The new loan may have a different interest rate from your initial loan, and the term may be different too – so you could pay more interest than before.

The loan agreement will tell you more about repaying the loan early. We'll round up your top-up amount to the nearest £100, so allow for this when you decide on the extra amount.

Example
If your current loan balance is £5,340 and you want to borrow an extra £2,000, we'll pay off the first loan open a new loan, leaving you with the remaining amount of £7,400.

Loan calculator
Use the loan calculator below to enter the total amount you need – outstanding balance as well as the top-up amount – to simulate the new monthly repayments.

£
I'm sorry! I'm temporarily unavailable.
The service is temporarily unavailable. Our engineers are working quickly to resolve the issue. Try refreshing the page or coming back later.
Representative APR (Fixed)
17.9%
Monthly repayments
£91.01
Total amount payable:

£1,092.07

Representative example

Representative 8.3% APR. Based on a loan of £4,000 over 3 years, with monthly repayments of £125.34 and total amount repayable of £4,512.44, which includes £512.44 interest at 8.3% fixed.

Important: The rate you're offered will depend on your personal circumstances – including your credit rating. The maximum APR you could receive is 29.9%. Your loan term will depend on the loan amount applied for. We currently offer loan term lengths of 1 to 7 years.

Do make sure you read our Statement of lender and borrower responsibilities, our Important Information and our Terms and Conditions before you apply.

Option 2 – Take out a second loan

You could apply for a separate loan alongside your current one. You'd have an additional monthly repayment until your current loan ends, which stays under its original terms and rate.

You could apply for a separate loan alongside your current one. You'd have an additional monthly repayment until your current loan ends, which stays under its original terms and rate.

FEATURES
  • Separate monthly repayments for each loan
  • Exclusive lower loan rates for Members*
  • From 2.9% APR Representative
  • Instant decision in most cases
  • Make extra payments or pay off your loan early with no charges
  • No arrangement or set-up fees

Representative example

Representative 8.3% APR. Based on a loan of £4,000 over 3 years, with monthly repayments of £125.34 and total amount repayable of £4,512.44, which includes £512.44 interest at 8.3% fixed.

Important: The rate you're offered will depend on your personal circumstances – including your credit rating. The maximum APR you could receive is 29.9%. Your loan term will depend on the loan amount applied for. We currently offer loan term lengths of 1 to 7 years.

Do make sure you read our Statement of lender and borrower responsibilities, our Important Information and our Terms and Conditions before you apply.

FAQs

About loans

What's an APR?

APR is the Annual Percentage Rate (APR) and is used to describe the overall cost of money borrowed. It takes into account the interest rate, when it is charged (daily, weekly, monthly or annually), any fees charged when setting up the loan and any other costs applicable to the loan. The APR makes it easy to compare different loan products across the market.

What's a representative APR?

The representative APR is an APR at or below which an advertiser reasonably expects most people who apply for this product will get.

Will I receive the advertised APR?

The APR you receive may vary from the advertised rate. This is the representative rate which we expect most people who apply to get.

The rate you are offered will be a personalised rate based on your current individual circumstances including credit information held about you by the credit reference agencies, the loan amount you borrow and length of time you borrow for.


Applying for an AA Loan

How do I apply?

You can apply online and will get an instant decision in most cases.

Who can apply?
    To be eligible to apply you must:
  • Have been a UK resident for at least 3 years
  • Be over 21 and no older than 70 when the loan term ends
  • Be employed with a salary of £12,000 or over
  • Not have a history of County Court Judgments or bankruptcy
  • Have a UK based bank or building society account that can pay direct debits
How much can I borrow?

From £1,000 to £25,000 in £100 increments.

How long can I take a loan for?

Loans are available between 1 and 7 years (depending on the value of your loan).

Can you tell me how much a loan will cost without having to provide my personal details?

We offer a personalised price which is based on your individual circumstances and amount you wish to borrow and it is therefore necessary to capture your personal details. Please note that we do not offer an indicative quotation. If you proceed and submit an application, a credit search will be registered at the Credit Reference Agencies.

Can I use this loan to pay off other debts?

Yes, in the right circumstances debt consolidation can be beneficial and help you manage your debt. If you have all your debts in one place, it means that you only have to track one interest rate and one payment to make each month.

However, before applying for a loan you should review your options to make sure that the loan which you are considering is right for you. For example, compare the rates of interest between your current loan or credit card providers and your proposed AA Loan and consider how long the loans are for.

In some circumstances taking out a loan to manage your finances could mean you end up paying a higher rate of interest and/or it may take longer for you to pay the money back.

I'm not sure if an AA Loan is right for me, what do I do?

Take the time you need to consider all of the information you are provided with so that you are sure the product is right for you before you commit.

See Borrowing with an AA Loan on this page for more information. Perhaps, discuss it with a family member or friend. If you're still unsure about how to make an application or what will happen next, call us on 0345 266 0124.

Can I change my mind about taking out a loan?

Yes. You have 14 calendar days from the day after you receive your acceptance letter to withdraw from your Agreement. If you decide you don't want a loan from us, just call 0345 266 0124 within this 14 day period. Or you can write to us at AA Loans, PO Box 248, Sheffield S98 1QF.

When will I know if I have been accepted for the loan?

In most cases you will get an instant decision online. In some cases we may require additional information or evidence of documentation, if this is the case we will be in touch with you by post within 5 days.

What can I do if my loan application is declined and I don't agree?

If you're unhappy with the decision, you can ask us to reconsider by calling 0345 266 0124. Or you can write to us at AA Loans, PO Box 248, Sheffield S98 1QF.

You should be aware that we cannot give any guarantees that our original decision will be changed. To support your appeal you will need to provide us with any additional relevant information which was not given to us when you first made your application.

What is credit scoring and how does it work?

To help understand whether to provide you with credit and to ensure responsible lending, your personal circumstances are taken into account.

To do this, each application is assessed using a system called credit scoring. All AA Loan applications go through a standard credit scoring process, which works by taking all of your personal information and giving each relevant detail a score. These individual values are then added together to provide a final score which provides the basis for our decision.

This is a system we use to help us decide whether we can lend you money and is also used by most other banks. Please refer to Our decision explained for more information.

How do I get a copy of my credit report?
    From Experian:
  • Online at experian.co.uk
  • By writing to Experian Ltd, Consumer Help Service, PO Box 8000, Nottingham NG80 7WE

  • From Callcredit:
  • Online at callcredit.co.uk
  • By writing to Callcredit, One Park Lane, Leeds, West Yorkshire LS3 1EP

Please note, these agencies will charge you for this service.

What happens after my application has been approved?

We will send your agreement out by post. You will need to check all the details, sign the agreement and return it to us by post in order for us to transfer the funds to your account. You will also be sent a copy of our Terms and Conditions, Pre Contractual Information (SECCI) and Important Information about your loan.

It is important that you read and understand the information contained within these documents. Please contact us if there is anything that you do not understand.

How soon will I get the money?

We aim for the money to be in your bank or building society within 2 working days once we have received your signed agreement.


Once you have your loan

When do I need to make my first loan repayment?

Your first loan repayment will be one calendar month from the date the loan is released to you. You will see the date on your Welcome Letter. If this day falls on a bank holiday or weekend, the repayment will be made on the next business day.

Can I change the date my repayments are made?

Yes. To change your repayment date simply call us on 0345 266 0124, after you have made your first repayment, and let us know which day of the month is best for you. Repayment date changes are limited to one per calendar year.

How do I make my monthly repayments?

We require you to make your monthly repayments by direct debit, unless we agree otherwise. Your direct debit will be set up from the bank/building society you have chosen during your application.

If you want to change the bank account from which your repayments are paid, call us on 0345 266 0124.

What if I can't make my monthly repayment?

If you're struggling to keep up with the repayments on your loan for whatever reason, we're here to help. It is important that you call us to talk you through the options available.

If you're in arrears and can't make your contractual payments, please call:

0800 032 8180

Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 1:30pm.

There are lots of organisations that can provide confidential, impartial and free help and advice. For more information check out are you in financial difficulties?

If you are already in touch with an organisation that is giving you financial advice, please let us know and we can deal with them directly.

Can I take a payment break?

No, the AA Loan doesn't come with a payment break option.

If you're struggling to keep up with the repayments on your loan, we are here to help. Call us on 0345 266 0124. Alternatively, there are lots of organisations that can provide confidential, impartial and free help and advice. For more information check out are you in financial difficulties?

What should I do if I need to change my personal details?

If you need to change any of your personal details, please call us on 0345 266 0124.

Can I pay my loan off early?

You can settle your agreement early – in full or in part – at any time. It's known as an Early Settlement, and you can download more information here.

If you want a full Early Settlement to pay off your loan you'll need to request a settlement quotation by calling us on 0345 266 0124, or writing to us at AA Loans, PO Box 248, Sheffield S98 1QF.

To make a partial Early Settlement you can call us to make a debit card payment. As a result of any repayment we reduce the term of your agreement unless you request otherwise.

If you do want an Early Settlement, this may incur a payment of up to 58 days’ interest.

How do I find out my outstanding loan balance?
If you want to find out the outstanding balance of your loan account, simply call us on 0345 266 0124.
What format can I receive my loan documentation in?

We can provide documentation in braille, large print or audio on request. If you require documentation in any of these formats, please call us on 0345 266 0124. Or you can write to us at AA Loans, PO Box 248, Sheffield S98 1QF.


Existing customers

How can I contact you?

If you have an AA Loan and need to contact us please refer to our existing customers page.

Can I borrow more money and add it to my loan?

Unfortunately, we can't add additional funds to an existing loan. If you want to borrow more money you'll have to settle your existing loan and reapply for additional borrowing, known as a top up loan.

If you need more help, please call us on 0345 266 0124.

Can I change my mind if I take out a top up loan?

You have a 14-day cooling-off period from the date you sign your AA Top Up Loan Agreement or when you receive a copy of the agreement, whichever is later. During the cooling-off period you can cancel your loan.

If you do change your mind and decide to cancel, you've up to 30 days to repay the the capital and interest of your new top up loan. Your previous loan can't be reinstated.


Contact us

How can I contact you about my application or loan?

You can contact us to discuss any queries you have about your loan on 0345 266 0124. We're open Monday to Saturday 8am to 8pm, Sunday 9am to 5pm. Closed on bank holidays. Calls may be recorded for training and monitoring purposes.

Or you can write to us at AA Loans, PO Box 248, Sheffield S98 1QF.

Help and guidance

We want to make sure that managing your finances is as straightforward as possible. Our guides can help you in everyday matters or when things aren't going quite as you planned.

Managing your money

Money worries

Bereavement

Redundancy

Caring for others

Divorce and separation


Or you can contact us here

Our decisions explained

To help determine whether to provide you with credit and to ensure responsible lending, your personal circumstances are taken into account. To do this each application is assessed using a system called credit scoring.



How credit scoring works for loan applications

Credit scoring is used by most major financial organisations in the UK to help them decide whether to offer credit to a customer.

All AA loan applications go through a standard credit scoring process, which makes a decision based on a combination of the information you've provided, the loan provider's lending criteria and information obtained from both credit reference and fraud prevention agencies.

Credit scoring works by taking all of this information and giving each relevant detail a value (or 'score'). When all the individual values have been added together a final score for your application is produced. If this score reaches a certain level, set internally by the loan provider, then an application for credit will usually be accepted. If your score does not reach this level, then an application for credit may be declined.



Why credit scoring is used

Credit scoring is an automated process that allows each application to be assessed in an impartial and consistent manner, ensuring that all customers are treated fairly. It also helps a financial organisation to meet their legal and regulatory commitments as a responsible lender.

Every application for credit includes a certain level of risk, no matter how reliable and responsible a customer is. Credit scoring allows financial organisations to understand the level of potential risk for each individual applicant, and if the risk is too high then an application will not be accepted.



Why your loan application may be turned down

If your application is turned down it simply means that, based on the information available:

  • Your overall credit score was not high enough to pass the required threshold, or
  • There may be information held at the credit reference or fraud prevention agencies which has been interpreted as negative, or
  • Your application may not have met one or rmore of the specific application requirements. For example, you will not be provided with credit if your annual income (excluding unemployment benefits) is less than £12,000.


Appealing a decision

If your application is declined, you have the right to appeal the decision, although there is no guarantee that the outcome will change. You can request an appeal by calling Customer Services on 0345 266 0124 or by writing to us at the address below. You will generally be asked to provide additional relevant information to support your appeal, such as copies of bank statements.

What you can do next

Loan applications can be declined regardless of what information is held by the credit reference and fraud prevention agencies, and if you are unsuccessful in applying for an AA loan it does not mean that you will be refused credit elsewhere as financial institutions make their decisions in different ways.

It is advisable to obtain a copy of your credit file before making any further applications (a fee may be charged for this service). The credit reference agencies used for your AA loan application were, Experian Ltd and Callcredit Check, and their contact details are below.

CIFAS – the UK's fraud prevention service – was used as the fraud prevention agency for your application, and their contact details are also below.



Contact us

AA Loans
PO Box 248
Sheffield S98 1QF

Contact Experian

Experian Ltd
PO Box 8000
Nottingham NG80 7WE

www.experian.co.uk

Contact CIFAS

6th Floor Lynton House
7-12 Tavistock Square
London WC1H 9LT

www.cifas.org.uk

Contact Callcredit Check

Callcredit Check
One Park Lane
Leeds LS3 1EP

www.callcredit.co.uk


Borrowing with an AA loan

The key information below will help you understand our loan products.

Pleas read this carefully and all of the other information we provide, so that you can decide whether this product is right for your needs and circumstances.

However, it doesn't contain all of the information about the credit agreement you enter into if you do proceed with an AA loan.

So if you want further information or have any questions then contact us – you can find our number below and in the documentation we give to you.



Deciding whether you should borrow money

Before you borrow any money, you should ask yourself if you need to spend the money, are there other ways to finance the purchase, and can you can afford to pay back the loan.

If you don't really need to spend the money today, then you should consider saving some money each month rather than getting into debt.

But if you want to borrow money and pay back an amount every month, a personal loan is one option. If you have any questions, then do contact us.



What is a loan?

A loan is a legal agreement between a customer and a lender: the lender lends an agreed amount of money over a pre-agreed term to the customer at a specified interest rate or APR. The customer is bound by the Loan Agreement to repay the loan by making specified regular repayments to the lender.

AA loans are unsecured loans, which means they're not secured against any asset, such as your home.



How can I use the loan?

A personal loan provides you with a lump sum which can be used to spread the cost of more expensive items over a pre-agreed term, such as home improvements or buying a car.

It's not suitable to fund day-to-day expenditure, or as a deposit for other credit arrangements, such as the deposit for a house.



What is a debt consolidation loan?

If you've got lots of different debts and are struggling to keep up with repayments, you can merge these into one AA loan as a way of potentially lowering your monthly payments.

With a consolidation loan you borrow enough money to pay off all your current debts and thereby owe money to just one lender.

Be careful though, as a consolidation loan can lead to more debt. It only makes sense if you use it to cut your spending and get back on track. You must still keep up payments until the consolidation loan is repaid, and also pay off any fees or charges to your old lender(s).



Who can apply for a loan?

An AA loan may be suitable for anyone:

  • age 21 or over
  • with no county court judgments (CCJs) against them
  • who has been a UK resident for at least 3 years
  • who has a regular income above £12,000 a year
  • who has a UK-based bank or building society account that can pay Direct Debits


AA loan features

  • You may be able to borrow more than with a credit card.
  • Your repayments will the same every month, making it easier to budget.
  • You can decide how long to repay the loan – but remember, the length of the loan will affect the amount interest you're charged.
  • You can consolidate several debts into one personal loan, potentially reducing your monthly repayment costs. Again be careful, as you could pay more charges or a higher interest rate, and if you extend the length of the loan you could pay more overall.


If you do decide you want to borrow money

Before you apply, it's important to work out how much you can afford to repay each month, as this will narrow down the best borrowing options for you.

So make sure you're realistic about how much you could pay if your mortgage or rent went up, if you had to spend more on utility bills, or if your pay was reduced.

You should also choose the right type of credit or loan for your situation, otherwise you could pay more than you need to. Shop around and compare deals, looking at:

  • the interest rate (APR)
  • the cost each month
  • how much you will repay in total
  • penalties for missed or late payments


How is the decision made to lend money?

Before accepting you for a loan, information from credit reference agencies is used to assess whether you can afford to repay the loan.

Credit reference agencies collect information about your financial dealings, including borrowings and missed payments, as well as county court judgments (CCJs) where applicable. In this way they build up a financial picture of you, and this is then shared with banks and building societies – with your permission – to help them decide whether to lend to you.

Once you’re 18 or over, you can request your own credit report from any of the three credit reference agencies for a small charge.

Each time you apply for credit, a footprint is created on your credit file. While credit application footprints are not in themselves negative, if you collect a lot of them over a short period it can be a cause for concern. This is because a rush of credit applications close together can be a sign of fraud, or indicate that you are experiencing financial difficulties. Therefore, if possible space out your applications.

If you're simply shopping around for the best deal, don't submit a full application until you've made up your mind which deal is best for you.

When deciding whether to lend you money, fraud prevention agencies are also consulted to ensure the person making the application is you, and not someone else.

Any information you provide is used to decide whether to lend. This is in addition to information already held about you; information from enquiries made about you; and information we get from your dealings with us or our Group.



AA loans – things to keep in mind

Personal loans may have higher interest rates than some other forms of borrowing, particularly for small amounts, such as £1,000.

Alternatively, the interest rate can be lower for larger amounts, so you could be tempted to take out a bigger loan than you need, but try to avoid this.

And always read the Loan Agreement carefully before you sign it. If you don't understand any part of it, then call us on 0345 266 0124.



Making your loan payments

The repayment of your personal loan is by monthly by Direct Debit from your current account, or an account that accepts Direct Debits. The amount and the number of repayments will be set out in your Loan Agreement.

Before signing the Loan Agreement, make sure you can make the monthly repayments, and that you'll have enough money in your account to do so.



What interest rate will I be charged?

The interest rate you're offered will be a personalised rate based on your current individual circumstances, including: credit information about you held by the credit reference agencies; the loan amount you borrow; and th length of time you borrow for.

The interest rate and the repayments will be on your Loan Agreement form, and you must read this carefully before deciding whether to accept the terms of the Loan Agreement.



How much will I have to pay back?

Your Loan Agreement will state the number of monthly repayments and the total amount. The monthly date of your repayments will be in your welcome letter.



Early repayment of the loan

You can repay all or part of the credit borrowed at any time, as outlined in the Loan Agreement. If you want to do this, call us on 0345 266 0124.

If you do make a partial repayment, we'll reduce the term of your Loan Agreement unless you request otherwise.



What happens if I miss a loan repayment?

If you don't make a monthly payment when it's due, it can affect your credit rating and make future credit more expensive or difficult to obtain.

Failing to make repayments will mean that you have broken the terms of the Loan Agreement, and could result in legal action against you. This may include us obtaining a charging order against a property you own, and you having to pay additional costs.

Full details of the consequence of missing a repayment are outlined in the Loan Agreement.



What are the fees and charges

Any fees and charges applicable to your personal loan are set out in the pre-contract information and the Loan Agreement form.

Make sure you read all the information carefully, and if you are unsure about anything, do call us before you sign the form.



If I change my mind, what is the AA loan cooling-off period?

You will have a 14-day cooling-off period, during which time you can cancel your Loan Agreement. This will start from the date you sign your Loan Agreement or when you receive a copy of the agreement, whichever is later.

If you do cancel, you have up to 30 days to repay the capital and interest.



Contact us if you have any questions

You can call us on 0345 266 0124, Monday to Saturday 8am to 8pm, Sunday 9am to 5pm. We're closed on bank holidays.


Important information about your AA Loan Agreement

Your proposed AA Loan Agreement is regulated by the Financial Services and Markets Act 2000 and by the Consumer Credit Act 1974 (the Acts).

The Acts give you certain rights and protections. We're obliged to give you an adequate explanation of your proposed agreement, and enough information so that you can make an informed choice about whether to go ahead with it.



Pre-contract information

In addition to the information contained on this page, you'll be provided with separate pre-contract information about your proposed Loan Agreement. This includes how you can withdraw from it once the agreement is made.

It's important that you read through the pre-contract information carefully.



What you can use your loan for

A fixed-rate personal loan provides you with a lump sum which can be used to spread the cost of more expensive items over a pre-agreed term, such as home improvements or a new car.

It should be used for mid- to longer term borrowing needs, and isn't suitable for funding day-to-day expenditure or as a deposit for other credit arrangements.



Making loan repayments

Under the terms of the Loan Agreement you have to repay the loan plus interest by making regular repayments to us.

The repayment amounts are calculated to make sure that by the end of Loan Agreement term the outstanding balance of the loan is reduced to zero – provided that you keep up your repayments.

The total amount that you pay depends on the amount of the loan, the applicable rate of interest, and the length of time you choose to pay off the loan.

Your pre-contract information and the Loan Agreement will explain the amounts, due dates and duration of your repayments; the interest rate payable; and the total amount payable by you.

So check these documents carefully to make sure that you can afford the repayments and that the loan is suitable for you.



Missing your loan repayments

If you don't make your repayments in the correct amounts and on the due dates under your Loan Agreement then you could face serious consequences.

There is a default charge of £12 for each missed or unpaid repayment. We'll also charge you interest at the interest rate shown in the Loan Agreement on any overdue amounts.

We may send you a notice about these charges. This means that the amount outstanding under the Loan Agreement will continue to grow, because interest amounts and default charges will be added to the outstanding balance.

We'll also send you a default notice asking you to pay by a certain date. If you don't we can:

  1. demand immediate payment in full of the outstanding balance under your Loan Agreement
  2. terminate the Loan Agreement
  3. enforce any security which we may hold for your obligations to us under the Loan Agreement

If necessary, we can take legal proceedings against you to recover unpaid amounts under the Loan Agreement.

We would also seek to get our legal and other costs from you. This could result in county court judgments being registered against you, and a charging order (or an inhibition order in Scotland) being placed over a property which you own as security for the monies which you may owe us.

We could also report your default to credit reference agencies. Your default would be recorded on your credit reference file, which could be viewed by other lenders and agency users who search your credit reference file. This may make it difficult for you to obtain credit in the future.



Your right to withdraw

You have 14 calendar days from the day after you receive your acceptance letter to withdraw from your Loan Agreement. If you want to do so, you can notify us in writing or by calling us.

You'll have to repay any amounts outstanding and any interest due within 30 days. Once you have settled the amounts outstanding, the Loan Agreement will come to an end.



Any questions about your loan

If for any reason you don't fully understand the Loan Agreement, take time to consider your application carefully or discuss it with a family member or friend before committing.

If you have any further questions about the AA loan, please call us on 0345 266 0124 or refer to the FAQs on this page.


Worried about fraud or financial abuse?

Are you worried about being pressured into taking out a loan, due either to fraud or financial abuse?

Fraud scams can include people asking you to take out loans for investment opportunities or on their behalf.

Help is available on the Take Five website where the government and UK Finance have advice on how to protect yourself from fraud.

Or if you're being pressured into taking out a loan through coercion, manipulation or any form of abuse, the Money Advice Service has impartial advice for you.

Remember, only apply for a loan for your own use.

You're liable for any loan taken out in your name, even if you transfer the money to another person.

Terms and conditions

Please read these terms and conditions carefully and download for your reference.


Good to know

* An AA Member is a customer that has arranged breakdown cover directly with the AA and not as part of a bank or vehicle manufacturer partnership program.

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) plc is authorised by the Prudential Regulation Authority, and regulated by the Prudential Regulation Authority and the Financial Conduct Authority. Bank of Ireland (UK) plc is incorporated in England and Wales number 7022885. Registered Office: Bow Bells House, 1 Bread Street, London EC4M 9BE. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc.