Skip to main content [Accesskey 'S']Go to home page [Accesskey '1']
Are you a business customer?
  • Broken down?|
  • Had an accident?|
  • Help and support
  • Breakdown cover
  • Report a breakdown
  • Personal breakdown cover
  • Multicar breakdown cover
  • Family breakdown cover
  • European breakdown cover
  • Motorbike breakdown cover
  • Electric car breakdown cover
  • Business breakdown cover
  • Caravan and motorhome breakdown cover
  • Instant breakdown cover
  • Report an accident
  • Wrong fuel assistance
  • Manage your cover
  • Breakdown guides
  • Car insurance
  • Multi-Car Discount
  • Van insurance
  • Electric car insurance
  • Short term car insurance
  • Motorbike insurance
  • Car insurance guides
  • Home insurance
  • Buildings insurance
  • Contents insurance
  • Home insurance guides
  • Travel insurance
  • Backpacker travel insurance
  • All insurance products
  • Car insurance claim
  • Home insurance claim
  • Manage your policy
  • Car Care at home or work
  • Car servicing at home or work
  • Car diagnostics at home or work
  • Brake repair at home or work
  • Oil and filter at home or work
  • Vehicle maintenance at a garage
  • MOT at a garage
  • MOT and servicing at a garage
  • Car key replacement
  • Car battery replacement
  • Mobile mechanics
  • MOT guides
  • Car servicing guides
  • Car warranty
  • AA Cars
  • Used cars for sale
  • New cars to lease
  • Used vans for sale
  • New vans to lease
  • Car finance
  • Vehicle inspection
  • Car history check
  • Sell your car
  • Vehicle delivery
  • Car reviews
  • Car buying advice
  • Driving School
  • Driving instructor training
  • Driving School franchise
  • EV Driving School franchise
  • Driving instructor guides
  • Driving lessons
  • Refresher driving lessons
  • AA Driving Theory app
  • Manage your lessons
  • Learner driver insurance
  • Learner driving advice
  • Personal loans
  • Car loans
  • Debt consolidation loans
  • Home improvement loans
  • Manage your loan
  • Savings accounts
  • Easy Access Savings
  • AA Member Saver
  • Manage your savings
  • Finance help and support
  • All financial services
  • Route planner
  • Traffic news
  • Mileage calculator
  • Fuel price report
  • Car Hire
  • Travel insurance
  • Backpacker travel insurance
  • Atlases travel guides and driving kits
  • Travel ideas and places to stay
  • Driving advice

Members get our lowest rate loans

Members get our lowest rate loans

Turn your plans into reality

We don't just keep cars on the road. We can help keep your finances running smoothly too.

If you're looking to upgrade your car or improve your home, The AA is here to help with a personal loan. And if you're an AA member or insurance customer, we've reserved our lowest rates for you.

There are no arrangement or set up fees, and the online application is quick and easy. You can check your eligibility without affecting your credit score. You just need to be 18 or over and a UK resident with a UK address.

Representative 6.6% APR for loans of £7,500 to £19,999. Other loan amounts are available at alternative rates. The rate we offer you will depend on the loan amount, as well as your individual circumstances, and may differ from this Representative APR.

To get this special rate you must have taken out AA breakdown cover or an AA insurance policy directly with the AA, but not as part of a bank account benefit, third-party insurance contract, or through your vehicle's manufacturer.

AA loans are provided by National Westminster Bank plc trading as NatWest Boxed. AA Financial Services is a credit broker, not a lender.

Apply for an account

Just select 'Log in to apply' and follow the instructions.

Log in to apply
Good to know
Toggle arrow

Connect with us

x logofacebook iconInsta new
  1. Homearrow-right
  2. Get Smart Benefitsarrow-right
  3. Our productsarrow-right
  4. Members get our lowest rate loans
  • About us
  • Gender pay gap
  • Help and support
  • Apps
  • Careers
  • Modern slavery
  • Terms of use
  • Privacy notice
  • Privacy hub
  • Cookies

© Automobile Association Developments Ltd. 2026

Flag Value: false