AA

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Company Information

  • Company Name:
    AA
  • Website Address:
  • Business address:
    6th Floor, Royston House, 34 Upper Queen Street, Belfast BT1 6FD
  • Phone number:
    0800 096 8485

While many people might think of breakdown services when they think of the AA (theAA.com), the UK company also offer customers a range of other services, from savings accounts and life insurance, to conveyancing services to help customers buy a new home. The AA has a range of unsecured personal loans available to assist its customers, allowing them to take out a lump sum of money that can be repaid over a set term.

The personal loans from AA are unsecured, which means that you won’t have to include any kind of collateral in the loan agreement. AA personal loans come with no arrangement fees, making them potentially more affordable than loans from competing banks or lenders. The loan has a fixed interest rate that won’t change over the course of the loan, no matter what the Bank of England base rate may be, so you can predict exactly how much you’ll need to repay each month, making budgeting for your loan simple and easy.

Customers taking out a personal loan from the AA are able to borrow anywhere from £1,000 to £25,000, with a low 4.4% APR Representative available on loans between £7,500 and £15,000 for some qualifying customers. The personal loan can be used for a range of different expenses, whether you need to carry out improvements on your home or pay for a special occasion. The repayments on the loan can be spread out over one to five years, although one year terms are only available for loan amounts below £5,000.

Customers who take out a person loan from the AA can also access exclusive deals on other AA products, including 12 months free AA Breakdown Cover. Existing AA members who take out a personal loan can also get a half price upgrade on their Breakdown Cover.

To apply for a personal loan from the AA, simply fill out the quick online application to receive an instant decision.

279 Reviews of AA have been submitted - read the latest 3 below

Great interest rates and good value, however this loan came with the most ridiculous processing time I've ever seen. It's been a month since I applied and I still don't have the money. Last time I took a big loan via Tesco it was for a car and it was all done within a week. If I had used the AA for that one I'd have lost my deposit. Luckily this time I'm in no rush, but your looking at 5 days initial processing, them mailing out paperwork, needing to send in 4 documents for ID, address, banking and pay. Return time and then a secondary round of processing time through multiple teams which as previously mentioned has put me at a month now with no sign of any money still. Absurd to the point where if it was a different form of banking if they were holding your money whilst you were paying interest they would be bordering on money laundering!

Review posted by David Howells

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I have used the AA for various services over the years but never before for a personal loan and I have to say I am very impressed with this particular aspect of their company. I had no idea they were quite so competitive but it was easy to see by using the loan comparison website just exactly where they fall within the long list of well known high street lenders. I was tempted by the 12 months free breakdown cover which will be coming in very handy because my current car is becoming somewhat temperamental and with Winter drawing near it will be good to know the AA will be on hand if needed. I am very pleased indeed with this personal loan and will definitely be recommending the AA Loans service to family and friends.

Review posted by C. Dawson, Potters bar

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At first glance the AA Loans don't appear to be one of the most competitive, but if like me you use the AA for some of their other services you will see that you can actually come away with one of the best loans available at the moment. I can see why the AA might not be everyone's choice but for me personally I can get a really good rate based on my previous dealings with the AA through my insurance and breakdown recovery policies. That has certainly been the case for me with this current personal loan which is to help with the cost of my daughter's wedding and my wife and I are delighted with the loan the AA have put together for us this time around. We like and trust the AA so we are very happy to be using them for this loan.

Review posted by Peter Travers, Marlow

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money