AA personal loans review

No longer just saviours of the roadside, AA loans can now help keep your finances running smoothly too, with exclusive rates for members.

4.2 ★★★★★ (69 reviews) Write a review
AA

The AA is no longer accepting new personal loans applications. We’ve kept this review for historical purposes. You can compare alternative loans.

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Our verdict

AA is 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.

Best for: No set-up fees

Pros
  • Fixed monthly repayments
  • Instant decisions available for most applications
  • Early repayments allowed
  • New AA members can get 12 months’ free basic breakdown cover
Cons
  • Lowest rates available for existing customers only
  • Fee may be applied if you pay off early
  • You’ll need good credit for low rates
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.1% p.a. (fixed). Representative APR 6.1% and total payable £10,941.12 in monthly repayments of £303.92.
AA Non-Member Loan

Maximum loan

£40,000

Product fee

N/A

Early redemption fee

Yes

How do AA loans compare against the competition?

Table: sorted by representative APR, promoted deals first
1 - 4 of 14
Product Finder Score Total Payable Monthly Repayment Representative APR
Novuna Personal Finance logo
Finder score
Representative Example: Representative 6.5% APR fixed. Based on a loan of £7,500 for 60 months at 6.5% p.a. Total £8,765.40 repayable at £146.09 per month.
Check eligibilityView details
My Community Bank logo
Finder score
Representative Example: Representative 31.6% APR fixed. Based on a loan of £3,000 for 24 months at 27.8% p.a. Total £3,493.77 repayable at £164.32 per month.
Check eligibilityView details
AA logo
Finder score
Not yet rated
Representative Example: Representative 6.5% APR fixed. Based on a loan of £7,500 for 60 months at 6.5% p.a. Total £8,765.40 repayable at £146.09 per month.
Check eligibilityView details
Barclays Existing Current Account Loan
Barclays Bank logo
Finder score
Representative Example: Representative 6.4% APR fixed. Based on a loan of £10,000 for 60 months at 6.4% p.a. Total £11,661 repayable at £194.35 per month.
View details
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Finder Score for unsecured loans

To make comparing even easier 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 methodology

Please 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.

AA loan rates at a glance

The AA Member Loan charges 6.6% 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.

What is the AA?

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 were provided by the Bank of Ireland UK, and AA Financial Services Ltd is a credit broker and not a direct lender.

Quick overview of AA personal loans

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

Key features of an AA personal loan

AA personal loans were available over periods between 1 and 7 years (in 6-month increments), and you could apply for any amount between £1,000 and £25,000 (in £100 increments). The rate you were offered depended on factors like your credit rating and income, but you can get an idea of the best rates by using our loan comparison table.

Quick overview of AA personal loans

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

Breakdown by loan

Instant decisions in most cases
Joint applications
Loan typeUnsecured Personal Loan
Loan amounts£1,000.00 to £40,000.00
Loan terms1 Year to 7 Years
Loan rate typeFixed
Product fee0%
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 methodsDirect Debit

What is APR?

If you’re comparing any credit-based products, it won’t be long before you’ll come across the annual percentage rate (APR). This figure is designed to provide an annual summary of the cost of a loan. It takes into account both interest and any mandatory charges to be paid (for example an arrangement fee) over the duration of a loan.

All lenders must calculate the APR of their products in the same way, and must tell you the APR before you sign an agreement, so for consumers it can be a handy tool for comparison.

Bear in mind, however, that lenders are only obliged to award this rate to 51% of those who take out the loan – the other 49% could pay more. That’s why it’s often referred to as the representative APR.

Was I eligible for an AA personal loan?

You don’t have to be an AA member to apply, but you did need to meet the following criteria:

  • Have been a UK resident for at least 3 years.
  • Be over 21 and no older than 70 when the loan term ends.
  • Have a regular income above £12,000 a year. If self-employed, you must have been so for over 2 years.
  • Have a good credit rating without a history of County Court Judgment or bankruptcy.
  • Have a UK based bank or building society account that can pay direct debits.
  • Ensure that you can meet the repayments as missed payments incur a charge and could have severe consequences on your ability to obtain future credit

Pros and cons

Pros

  • Fixed monthly repayments
  • Make extra payments
  • Instant decisions available for most applications
  • Monthly repayment dates can be amended (once a year)
  • No arrangement or set-up fees
  • Early repayments allowed
  • New AA members can get 12 months’ free basic breakdown cover
  • Current AA members can access lower rates

Cons

  • Lowest rates available for existing customers only
  • Fee may be applied if you pay off early
  • You’ll need good credit for low rates

AA customer reviews

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”.

How do I contact AA customer services?

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.

Our verdict

AA was 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.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Written by

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise
Chris has written 564 Finder guides across topics including:
  • Loans & credit cards
  • Building credit
  • Financial health
  • Share trading

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