We currently don't have that product, but here are others to consider:
How we picked theseTo make it even easier to compare and evaluate unsecured loans we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyPlease note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
Late repayments can cause you serious money problems. See our debt help guides.
How do AA's loans compare against the competition?
See today's rates from across the personal loan market.
The AA Personal Loan charges 6.5% APR representative on loans between £7,500 and £19,999. AA offers the unsecured personal loan with repayment terms between 1 year and 8 years, and applicants can apply to borrow from £1,000 to £35,000.
The AA Personal Loan Member charges 6.4% APR representative on loans between £7,500 and £19,999. AA offers the unsecured personal loan with repayment terms between 1 year and 8 years, and applicants can apply to borrow from £1,000 to £35,000.
| Loan amounts | From £1,000 to £35,000 |
|---|---|
| Loan terms | From 1 year to 8 years |
| Age eligibility | 18 years and over |
| Application fee | No application fee |
| Repayment holiday | Repayment holiday not permitted |
| Loan amounts | £1,000 to £35,000 |
|---|---|
| Loan terms | 1 year to 8 years |
| Loan rate type | fixed |
| Fee | 0% |
| Same-day funding available | |
| Instant decisions in most cases | |
| Soft-search facility available | |
| Joint applications | |
| Overpay without penalty | |
| Repayment methods | Direct debit |
| Loan type | Unsecured Personal Loan |
|---|---|
| Loan amounts | £1,000 to £35,000 |
| Loan terms | 1 year to 8 years |
| Loan rate type | fixed |
| Fee | 0% |
| Same-day funding available | |
| Instant decisions in most cases | |
| Soft-search facility available | |
| Joint applications | |
| Overpay without penalty | |
| Concurrent loans allowed | |
| Topping-up pays off existing loan and initiates a new loan | |
| Repayment methods | Direct debit |
The Annual Percentage Rate (APR) is a summary of the yearly cost of a loan. It takes into account both interest and any unavoidable charges you'll need to pay (for example an arrangement/product fee) over the duration of a loan. Because AA doesn't charge an arrangement fee, its APR comprises just the interest rate – and so they're one and the same.
However, the vast majority of lenders tailor rates (and therefore APRs) to the individual applicant. If they think you're a riskier bet, they'll offset that by offering you a higher APR. The "representative APR" (as defined by the Financial Conduct Authority) is what AA gives to at least 51% of those who take out the loan. The other 49% could pay more. AA must calculate APR in the same way as other lenders, and must tell you your personal APR before you sign a loan agreement.
AA advertises a representative APR of 6.5% on loans between £7,500 and £19,999 on the AA Personal Loan and 6.4% on loans between £7,500 and £19,999 on the AA Personal Loan Member.
In case by some miracle you haven’t heard of it, the Automobile Association (AA) is a British institution, having provided assistance to its members since 1905. In addition to breakdown cover and driving lessons, the AA now also provides financial services including insurance, savings and personal loans.
AA loans are provided by the Bank of Ireland UK, and AA Financial Services Ltd is a credit broker and not a direct lender.
You don’t have to be an AA member to apply, but you do need to meet the following criteria:
In our 2025 customer satisfaction survey, 90% of AA customers said they’d recommend the brand to a friend.
Customers in our survey commented on AA’s “great service”. One commented: “Good interest rate, easy to use app and the ability to make additional payments”.
If you’ve decided that an AA personal loan is right for you, you’ll need to provide proof of the following:
Then simply fill in the application form via their website. You’ll also need the sort code and account number of your bank or building society account.
You can the AA customer service team on 0345 266 0124. Lines are open Monday to Friday 8am to 7pm and on Saturday 8am to 2pm.
AA are a broker offering fixed monthly repayments on its loans, as well as the flexibility to make additional payments. While the lowest rates are for existing customers only, competitive rates are still available – granted you have a good credit score. If you did want to repay your loan early to reduce the amount of interest you’ll pay overall, you may be charged an early repayment fee.
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