Rating based on 13 reviews

AA Loans


  • Loans bad credit up to £25,000
  • Low-interest starting from 3.9%
  • Repayment up to 7 years

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Author AA Loans. Screenshot of AA Loans website. [Accessed September 4, 2019]

About AA Loans

The AA company is a household name known across the UK.

When you hear AA, you think: trustworthy, reliable and fair. AA has been offering assistance to UK citizens since 1905 and, while our major focus was originally on breakdown cover, we have recently branched out into insurance, finance, and leisure.

Why AA is the obvious choice

Since our founding, we have helped over fifteen million customers with our broad variety of offered services. It is our passion to help people however and wherever we can which is also why we have also become a credit broker for the bank of Ireland to help our customers make the right loaning decisions.

Flexible loan options

Our bad credit loans are highly flexible with a simple online application with instant decisions. You do not have to pay any set-up fees or early repayment charges. We will consider your personal financial circumstances in order to provide you with the most affordable interest rates for you. AA is here to save you time and money. No matter what it is that you are looking for, AA can provide you with a service that you can trust.

AA Loans Services

At AA Loans we offer both secured and unsecured loans to our clients.

Whether you want money for home improvements, to purchase a new vehicle or to go on that trip to the Bahamas, AA has got a variety of flexible options for you. Our secure and unsecured loans each come with unique loan amounts and loan periods.

Our loan types

Unsecured loans are personal loans that are not secured against an asset such as your home or vehicle. In the event that you are not able to meet monthly repayments, your property and other assets are safe. While a secured loan, normally available for larger loan amounts, uses your home or other assets as a form of security.

Loans for every occasion

With our unsecured loan options, you are able to borrow from £1000 to £25,000 payable over a period of one to seven years depending on the loan amount. The interest rate that you will receive will depend on your personal financial circumstances. Secured loans allow the borrower to borrow amounts from £25,000 to £2,000,000 arranged by Freedom Finance.

AA Loans Product Details

  • Loan Type Loans bad credit
  • Interest Rate from 3.9%
  • Loan Amount up to £25,000
  • Repayment 1 year to 7 years

Summary of Services

  • Simple online application
  • Monthly payments are fixed
  • Response on loan approval is fast

AA Loans cares about you and your finances

Often it is difficult to decide whether getting a loan is the right option for you considering that it is a large commitment and responsibility to accept.

This is why it is important to thoroughly understand your current and future financial situation so that you can make better-informed decisions.

The loan requirements

  • You have to be over the age of 21,
  • A UK citizen with
  • A secured income of at least £12 000.
  • If you are self-employed you must be employed for a minimum of two years prior to applying.
  • It is also compulsory to have a UK bank account for the funds to be transferred into.

Applications can be completed online making the process fast and simple. Before you apply you can also make use of the eligibility checker which can check whether you are eligible for a loan or not. This will not have an impact on your current credit score.

Is a loan the right option for me?

Many customers use loans in order to pay off existing debts but is a loan the right option? Before deciding whether you would like to consolidate your debts with an AA loan, compare the interest rates of your current debts to the interest rate and borrowing period of an AA Loan. We also have short-term loans and car loans.

How can I make my monthly repayments?

Monthly repayments can be made via direct debit orders. You can decide which day of the month you want your repayments to be taken off. If you are struggling to make repayments it is important to contact us immediately and to get in touch with an organization that can provide debt assistance. Unfortunately, we do not offer payment breaks

Customer Reviews & Testimonials

March 2019

Short and simple online application

Noah M
— Cardiff —

May 2019

Friendly staff

Esme L
— Bristol —

AA Loans Contact Details

Contact Number


  • not available


Physical Address

  • The AA Fanum House, Basing View Basingstoke RG21 4EA United Kingdom
  • Get Directions

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed