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 run 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 6.5% 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.

Good to know

Rate correct as at 12 May 2025.

Annual Percentage Rate (APR)
This is used to show what the overall cost of the money borrowed is for a year. It takes into account the annual interest rate and how frequently this is charged (daily, weekly, monthly or annually); any fees when setting up a loan; and any other relevant costs. The APR makes it easy to compare different loan products across the market.

Representative APR
The rate we expect at least 51% of successful applicants to get.


AA Financial Services Limited is a credit broker, not a lender, and introduces customers to National Westminster Bank plc, trading as NatWest Boxed, as its personal loans provider.

AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority, firm reference number 727859. Registered in England and Wales, number 912211. Registered office: Level 3, Plant, Basing View, Basingstoke, Hampshire RG21 4HG.

This account is provided by National Westminster Bank plc, trading as NatWest Boxed.

NatWest Boxed Limited is an appointed representative of National Westminster Bank plc, which is authorised by the Financial Conduct Authority to carry out the regulated activity of credit broking, firm reference number 1016287. Registered in England and Wales, number 14257250. Registered office: 250 Bishopsgate, London EC2M 4AA.

The AA is a trademark of the AA Group and AA branded companies, and is used with permission under brand licence to National Westminster Bank plc. © Automobile Association Developments Ltd 2025.