AA

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Company Information

  • Company Name :
    AA
  • Website Address :
  • FCA IP :
  • 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.

278 Reviews of AA

I’ve been a member of the AA for many years- I’ve always relied on their services to help me out of a tough spot when my car breaks down, and in that sense they’ve always been consistent and quick, as well as providing good value for money on their breakdown cover. I also use AA for my car insurance and home insurance, as I’ve found their rates to be consistently low and the customer service is always top notch, which is often the most important factor in picking a provider.I didn’t know that AA provided loans, but when I needed a personal loan to help pay for my daughter’s wedding I had a look on their website and found that they do in fact offer loans. Not only were there really low interest rates available, but taking out on of their personal loans would give me a cheaper upgrade on my breakdown cover, which was a great added bonus.Applying for a loan from the AA was much easier than I thought it would be. All I had to do was log in online and enter the amount I needed and how long I’d need to repay it, and some of my financial information, and I got an instant approval. I didn’t even have to wait around for the forms to arrive in the post- I could sign the loan agreement online and get my money fast. The service was efficient and quick and the interest rate I got on the loan was incredibly low- just 4.3%APR. All in all it’s been another great experience with AA and I’ll be telling all of my friends and family about it.

Review posted by Trenton James

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AA, I thought- aren’t they just for cars? Not loans? I had my insurance with them, and wanted to buy a car anyway, so thought I’d give it a try. I researched a lot before taking this one out and this is what I found out. The first good thing was that my breakdown cover was upgraded for half price. (You can get it free if you don’t have it already). I’m in my car a lot and so this was excellent. I’m also going to get good deals on my car insurance- and life insurance when I want some so I reckon I’ve saved quite a bit of money. I also didn’t have to pay an arrangement fee, saving me money on other banks that I’d researched (my tip would be – check for the hidden costs before you choose!). The process was ok- good staff to talk to when the paperwork was a little unclear, and fairly speedy with transferring the money. Not as quick as some from what I’ve seen, but quick enough, and with the other benefits from the AA services, a very good deal. So give them a try- I’d really recommend them, especially for people who would use their other services too. You don’t have to be an existing customer, but you can get benefits if you are.

Review posted by Luke Brown

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Honeymoons are supposed to be the best time of your life and it was, but three months after we got home, we discovered that my wife was pregnant. Great news! The only problem is that we had just bought a one bed house and we realized that we could not sell it anytime soon, but the little one would eventually need his/her own room. We knew that the only way we could get this right was to build onto our little home.We have both been with the AA for years now and figured that it made sense to apply for a loan through a lender who we already had a standing with. There are other companies out there that charge lower rates, but sticking with the AA seemed like the right thing to do. As usual, we were not let down when we applied. The representative who we dealt with gave us a very low interest rate and an affordable repayment plan.We can now build onto our home so that our newborn can have a room of his/her own. We have always been satisfied with the AA's service and nothing has changed! We highly recommend them to anyone who is looking for a good company to deal with.

Review posted by Brandon Cunningham

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A loan from AA has the same reliable service that AA supply when it comes to repairing your broken down vehicles. With a representative 4.3% which is still competitive, but not as low as some other companies, the loans really are a good idea for those looking to loan large amounts of money which are up to and more than the sum of £25,000. There is a minimum loan amount of £1,000 which is common and this range is great for letting you borrow the amount you want.An additional added bonus of getting a loan with AA is a reduced price for their famous breakdown cover which is a massive perk of getting a loan from the company. This is something that can save you a lot of money. The amount you can borrow and the length of the borrowing period is also similar and competitive to many of the other company's. The main difference is the fact that the minimum loaning period is 18 months and on the whole it is a minimum of 12 months. However, this is the only ever so slight downfall of an otherwise great loan.An AA loan is also very quick to process and you will not find yourself doing the boring, tiresome, tedious paperwork that may come as part of the other loans from other loan company's. An AA loan is simple, you simply apply online and you will probably be approved the same day, with the money entering your account just a few days after that.

Review posted by Isabella Bowen

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AA is usually associated with offering breakdown cover and car insurance to customers. Nevertheless, they offer an APR representative rate of 4.3% for loans of £1,000 to £25,000, which can be taken out over a period of 18 to 60 months. AA matches many online lenders in the APR rate they offer, as they look to compete in an extremely cutthroat sphere. If a customer were to borrow £7,500 over a period of 60 months then monthly repayments would be £138.86 and the total amount payable would be £8331.60. AA also matches many online lenders in the amount they are prepared to lend and the amount of months you can pay it over. AA should be considered by those who have already taken out breakdown services or insurance with the company. AA also offer incentives for loyal customers and from time-to-time may provide extra benefits for those who decide to take out loans. New potential customers may also be persuaded to take out loan because of the low interest rate offered and the generally positive online reviews. Approval times are normally prompt and customer service is usually superb, so they are definitely a company worth considering. It would seem that some of the general population are unaware that AA provide loans and offer such a reasonable rate. Thus, if you are in the process of applying for loan, then make sure you do not neglect the AA.

Review posted by Charles Fitzgerald

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When we were looking around for a loan to buy a boat (yes a boat, a lifelong dream that I can finally afford to fulfil), the AA popped up on a comparison website and we didn't realised they offered finance.We have been a member of the AA roadside cover for years and years and have never had anything but great customer service from them, so we went ahead and applied. We applied via the website, and after looking at a few reviews we didn't hold high hopes as it would seem in certain cases people with good credit rating are turned down. We did get accepted for the loan at a very low interest rate, and we were also made aware of a few little perks that would be available to us over at the roadside cover side of things, so that was great as we will be having no intention of leaving them anytime soon (despite the efforts of the RAC.On the AA loan website, you can actually sin online, so we got our money very quickly. The payments are easily affordable to us, it was just a case of having that amount all in one go (£7000). I have found in the past some companies can be very strict to the point of being nosey about what the purpose of the loan is, however the AA were not like this, despite it being a somewhat unusual reason for taking out finance. We have had the loan for three months now and each repayment has been smooth, and come out on the exact date the direct debit has been set up for.I would recommend the AA even to people who are not currently customers of the roadside assistance side of things, as their customer service and rates are good and it was very easy to apply.

Review posted by Patrick Browne

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The reason why we got our loan for a new car from AA is because we already had their roadside insurance and it seemed like the natural thing to do. I did look around beforehand and compare with a few other providers, but I decided that AA would still be the best because of the exclusive deals that we can then use, such as 12 months free Breakdown Cover (for people who are new) or the half price upgrade if (like us) you are already an AA member.We did their application on-line and just had to plug in our details from the insurance policy. They did the credit checks and everything in a few minutes and we had our loan available 3 days later on the bank account.We are now driving around in our new Honda Civic and we have AA to thank for it! We also got a great deal with a 4.3% rate and only have to pay it back after 4 years. To top it all off, the insurance money came through, we paid off the loan and are now debt free.Overall hugely positive experience. Recommended wholeheartedly.

Review posted by Freya Webster

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When I decided to take AA's loan, I found its application exceedingly simple. All you have to do is make a call. It doesn't take a lot of time before your call goes through. Mine went through after just around 3 seconds. With my excellent credit rating I was able to get a loan at a much lower APR. In fact, it was one of the lowest in the market.A day after I made my application, I was informed my cheque was ready for collection. It was brought to that same day via courier services and I had to pay for the transportation cost to the courier man. That is the only part I did not like because for other banks, the money is usually deposited direct to your bank account. Apart from having to pay the courier guys for delivery of cheque and again having to wait for the cheque to mature, I found the bank's services to be generally fine. Their customer service was also good.

Review posted by Benjamin Barber

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AA, one of the most trusted breakdown services in the UK, have diversified their services to include financial and insurance products. In their new services, they have a range of personal loans which can be borrowed by UK residents who need cash, but don’t want to go through the long procedure of obtaining one from regular banks. The loans are not limited to any purpose, making them available to use for any purpose the borrower needs it for.You don’t need to have any kind of security to secure these loans, since they are unsecured and with zero arrangement fees. The representative APR for AA loans is 4.4% for loans ranging from £7,500 to £15,000. The rate for the loan is fixed throughout the repayment period, shielding you from inflationary effects on loan rates. The amounts available to borrow range from £1,000 to £25,000 with a repayment period of up to five years. Individuals wishing to pay in a short period of 1 year, can only borrow up to £5,000. This restriction makes this great personal loan undesirable to people who don’t want to be stuck with a loan repayment for several years.You should be an adult as per the UK law to qualify for this loan. The decision is instant if you fill the application online for AA personal loan. Successful customers are treated to a free twelve months AA Breakdown cover, and other exclusive deals on AA products. One of these deals is half price Breakdown Cover upgrade, if you are an existing AA member.

Review posted by Sienna Connolly

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I’m reviewing the AA loan service to give others an idea of how their service compares to other lenders. I've seen the product through from start to finish, and have now paid off my loan. With some services, unexpected costs can arise during the term, so having fully completed the deal, I can give a full and balanced account.I chose AA because I needed a fairly short term and they offered slightly shorter minimum terms than some other lenders. Coupled with a very reasonable APR, they were perfect for my situation. I was actually buying a car and the loan came with better rates than the financing options available to me. The online calculator revealed that at a range of different terms and loan amounts, the AA were one of the cheapest providers. I think its also helped my decision that the AA in general has a good public image and trustworthy reputation!The sign-up process was hassle-free and simple. I’m not a fan of filling out forms, online or off. The AA provided a pain-free service though. Everything was taken care of in no time and I got my cash promptly. Repayments were outlined clearly from the start and all went well throughout the term. I have paid up, signed off and moved on with no trouble at all. Recommended.

Review posted by Daniel Hodgson

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I must admit I had no idea that the AA provided personal loans, so needless to say I was quite surprised when they popped up! Not only was I surprised to see them listed on the comparison site, but upon looking into it the terms surrounding their personal loan were I was more than surprised - I was impressed! The competitive representative interest rate and maybe just a little curiosity convinced me into what they could offer me.The loan calculator on the site is just a drop down box, what could be simpler, I wasn't expecting to get the representative APR as I have high interest rates in the past but they quickly confirmed I was eligible. The application form was quick and to the point, I appreciated dealing with a provider who simply cut to the chase and got down to business, the confirmation that I had been accepted was almost instantaneous, being able to sign the loan agreement online was the icing on the cake.If that was icing on the cake, what was the cherry on top? 12 months free breakdown cover of course – Result!

Review posted by Freddie Pollard

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AA personal loans are designed to help you to achieve your goals. This means that you are provided with a fixed interest rate. You will never have to pay back more on your principal than you expect if you obtain a loan through them. At 4.3% APR, an AA personal loan is affordable. Free cover is provided for a year and AA loans can be utilised for any of the following purposes: Buying a car Improving your home Financing a special occasion The maximum term for an AA loan is just 5 years. All of your AA repayments will remain the same for the life of your personal loan. Their loans start at £1,000 and you can apply online. If you are looking for the best loan rate for less than 5% APR this is one of the best banks for you to consider.

Review posted by Finlay Moran

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Obviously, I didn't know that a company such as the AA even dealt with personal loans and I probably still wouldn't have until I got a letter from them stating they could offer me a great rate on a personal loan. Being a valued customer of the AA for many years I did feel more reassured in applying for a loan with the AA rather than a high street bank, and obviously their ARP rate is what piqued my interest the most. Applying for my personal loan with the AA I certainly felt like that I was making the right decision. The whole process didn't seem as stressful as applying for one at a bank. I was also able to list the exact amount I wanted to borrow as well as settling on the precise duration of the loan repayments which made my life that much more comfortable. It's not like getting a loan is any easier at the AA than anywhere else, it's just the whole process feels that much more personal and not cold like at a bank. Such an excellent service and just as competitive as any high street bank and various other personal loan providers. A superb choice for anybody looking for a loan.

Review posted by Alice Armstrong

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Again, AA are not normally known for providing financial services, but this has allowed them to come out near the top with a newer and more modern day approach to lending, and cross marketing to allow for better rates on breakdown cover and other services. For those wishing to borrow a small amount for a short time period, AA are ideal. Many providers will have a minimum period of 12 months; great for a very short loan, but too short for some. On the other side, 24 or 36 months may be too long for some. AA appear to be one of the only companies offering loans with an 18 month minimum term, which is a unique positive for this new venture of theirs. Others have reported being able to get a great deal on breakdown cover if they take out a loan, and make savings on other items such as car insurance and home insurance. In addition, the time that AA take to release funds has been reported as being very quick; perfect for emergencies. With a company offering such heavy discounts on other services and quick turnaround times, there's little to stop AA becoming one of the main names in financial products.

Review posted by Abby Sharpe

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I have been a customer to AA for a couple of years. I will say that I have a fantastic banking experience with them. I borrowed money from them early this year to finance my family vacation trip. I never knew that they were offering personal loans until I searched for the best providers online. The bank was one of the top-notch providers recommended by an online review service. When I visited their website, I was surprised by their low APR rate; hence, I decided to try it. I applied for a personal loan of £10,000. The application process was quite simple. I filled the forms online and the application were instantly granted. They soon followed it up with agreement form, which was also available online. I do not have to wait for a day or two for the papers to arrive by posting. I supplied all the information they required from me and submitted the form. I received the money to my account in the next couple of hours.They are the best online lenders in the UK. Their low rate of 4.3%APR is very attractive. The most important aspect of their service is their customer care. I am pleased with their perfect customer care. The money was of a very high value to me. They offer incentives, which placed them ahead of other providers in this country. Their breakdown ensures that its customers save a lot of money. I highly recommend AA to any borrower in this country.

Review posted by Aaliyah Stevenson

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After a flood that destroyed every piece of electronic at my house and some furniture, I desperately needed money to refurnish the living room and at least buy a microwave, an oven and a refrigerator. Having no money set on the side, I started panicking. I was looking for solutions when I found readies and quickly some of the reviews cheered me up. I quickly grabbed the phone and called the three highest rated and AA’s offer was the best one on the table. In about a week or so, my house looked good as new and I’m only paying less than £150 a month.

Review posted by Gregory Hobbs

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I can't drive and therefore have never owned a car so the AA has never been relevant to me in that respect so when I was looking online for a personal loan I wasn't quite sure what make of them as regards loans and other financial services. But then looking at some of the other loan companies such as some of the big HighStreet stores I realised that a personal loan from the AA wasn't such an unusual thing after all.After making some comparisons with the main High Street banks I was surprised to find that the AA were very competitive and in some cases a lot more straightforward than the banks and that is why I decided to go with them for my personal loan. Within a couple of days the AA had approved a very good personal loan for me for the amount I needed with a repayment plan that fitted in well with my affordability. Thats all you can ask from a loan company really and AA have delivered on both scores.

Review posted by Colin White

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When my friend said he had just got a personal loan with the AA I thought I had misheard him as I didn't realise the AA did anything other than help people out when their car breaks down. I don't even own a car so I wasn't even sure how good they were at that. But I do value my friends advice and he has good judgement when it comes to money so when I decided to get a personal loan myself I took the easy way out and went straight to AA first. They didn't disappoint and my personal loan has just been approved which means I can get on with planning my wedding which I've been able to bring forward by a year thanks to the AA.

Review posted by Jemma F.

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My parents had taken out a loan with the AA a couple of years ago and I didn't know that until I was asking their advice about how to borrow enough money to get myself out of my tiny little basement flat and into something a bit more spacious so that I could entertain more than a handful of friends at a time without us spilling out of the front door every time I had a party.With their help I applied for a similar type of personal loan to theirs with the AA and was so pleased when they approved it within less than a week. My repayments weren't going to be difficult to make each month which my parents were very happy about and I am now in the process of moving into my lovely spacious flat which overlooks our local park and not the grubby pavements like my previous flat.

Review posted by Amie Daniels

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I never judge a book by its cover and likewise you should never judge a loan company by its name. That's how I ended up with a loan from the AA after my initial reaction was 'don't they just fix cars when they break down?'A quick online scan of personal loan companies proved that it isn't just the traditional High Street banks that are offering this service and in some cases they aren't even the most competitive when it comes to interest rates.I am really satisfied with my AA personal loan and would recommend people who are looking to borrow money to look outside of the box, so to speak.

Review posted by Chris Sergeant

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My girlfriend and me want to settle down and start a family sooner rather than later because we are both in our early thirties and don't want to leave it much longer for obvious reasons. I know a lot of couples start having their kids before they get married but my girlfriend is a bit old fashioned in that respect and wants us to be married first.My brother has recently got married and he told me he couldn't have done it without the help of a personal loan and suggested I did the same. I was really surprised when he told me who he got his loan with but once I checked out the AA personal loans online I could see why he went with them and that was a good enough recommendation for me.I have just had my loan with the AA approved and the next thing I am going to do is buy an engagement ring so that I can do things properly and propose to my girlfriend, after asking her dad for his permission first of course!

Review posted by Niall McPherson

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I had used the AA before for a small loan and was more than happy with the service I received so when I needed to borrow a considerably larger amount to pay for my daughter's wedding I wasn't sure if they would be as good with a larger loan amount.But I needn't have worried. The AA have maintained my confidence in them and have given me a loan package that is very competitive with regards to their interest rates and they've also included a years free breakdown cover which may come in very handy as my old car is starting to play up recently.

Review posted by Roger Parker

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A strange duck in the bite, I'd say. On the road daily, I see a lot of AA service vehicles passing by, but I'd never comes up in my mind to borrow money from an institution meant to dig or drill you out of your own car in case of an accident. Well, accidents happen, even financial ones.Becoming curious I stepped into one of AA's branch offices, requesting for information about their financial services, a personal loan to be more precisely. That could be arranged as I was told.It turned out to be that I was eligible to take out a loan of £20,000 against a low interest rate of 4.3% to be spread out over a maximum period of five years it I wanted to. As a non-customer I had to become one first before I could opt for a loan or to use all other facilities, naturally, of course.Nevertheless I had a good conversation which made me decide to become a member instantly as I was at their offices already.An overall rating of 'good' is what I can give. If its going to be 'excellent' is what my experience with the AA club has to tell me in the first coming period of time.

Review posted by Nick Blacksmith

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After looking at several loan companies online I took out a loan with the AA to pay for new windows in our house. The window company were offering a payment by instalments option but the interest charges on the overall price was much more than what I will be paying for my personal loan with the AA so it was a bit of a no brainer.With the amount I am borrowing from the AA I can pay for the new windows and have a little bit over, which the wife has already laid claim to, and it still works out cheaper than the window company's instalment payment price.

Review posted by Geoff Woollaton

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When our very good friends of many years invited us to join them on a Mediterranean cruise we were delighted to accept as we really get on well with them and couldn't think of a nicer couple to share the experience with.However, we had just had a couple of financial emergencies that had put a serious dent in our savings and we soon realised that if we were going to be able to go on the cruise we needed to get a loan.After a bit of research we were surprised to find the AA were in the business of giving out personal loans and that they were very competitive up against the usual High Street banks. So we took the plunge and applied for a loan with the AA and we have been amazed at how quickly and efficiently our loan has been dealt with. We are now looking forward to our cruise and we have the AA to thank for it.

Review posted by Jean and Barry Clarkson

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My husband and I work very hard in our own business and we haven't had a holiday since our children were little and we managed a week here and there to go to the seaside and stay in a caravan.Now that our children are grown up and have their own lives we decided we would take a bit of a sabbatical and go back to India to visit our elderly parents and other family members.We decided to take out a personal loan to pay for and our son helped us to choose the best loan for our needs. We had heard of the AA of course but we didn't know they did loans but as they were offering a very competitive interest rate my son said we should go with them.And so that is how we ended up with an AA loan and we are very happy to have it as it means our trip to India is possible and we are busy planning it now.

Review posted by Davindra Patel

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I had been online most of the evening checking out various loan companies and I was getting tired and a bit confused with all the different figures and interest rates etc. running through my head.I decided to check out one more company before calling it a night and it happended to be the AA. I hadn't even realised that they did loans up until then. But within a few minutes of comparing their rates to the other ones I had looked at I realised they were probably the right loan company for my needs.The next morning I got straight back to the AA website and started my application process but if only I had started looking at loan companies in alphabetical order I could have saved myself a lot of time and frustration.

Review posted by Sandy Merrick

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I'm a collector of 'netsuke', these beautifully from ivory, wood or bone sculptured key holders from Japan. Once a week I survey the auction sites on the internet and antique markets for 'new' items, although the market gets thinner as more people discover the value of them as well as the fun of collecting them.But last Saturday I finally found what I was looking for, this single piece of a wooden netsuke representing a snake, entirely curled around a man's body, approximately 1.3 inch high. The item was for sale and the price was a dream.As a member of AA I wouldn't think of the possibility to have a loan with them for financing something else than a car or a motor home, so this was the ultimate test to see what else was possible. At the AA branch shop I was told it doesn't matter for what reason I liked to use the money for.Once approved I'm allowed to use it for anything I need, they said. Not yet overwhelmed with my expressions until the object was in my possession I opted for a personal loan of exactly the purchase price: £15,000. Sorry but that's the normal price range for an original beauty from the late 1700's.Expecting to have it sold with profit the same year I opted for a period of 4 years which was okay, This lowered the interest a little as well I noticed. Besides this advantage I discovered that, as a member of the AA I'm entitled to profit from more benefits of which I didn't know about before which came handy such as a twelve months free breakdown cover.I truly recommend the AA to anyone looking for a personal loan.Jeff

Review posted by Jeff Landall

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I'm 60 years old and retired after 38 years with the company I was working for. My husband and I are looking to relocate from Ilford, out to the countryside. It has been our dream for years. We've been married for 14 years and we’ve always been financially organized. But now that we’re looking into relocating, a loan would be great for us.I have used AA before over the years for car insurance, but never before had I taken a loan of any sort. But when I saw that it was possible to get a personal loan I got in touch. AA gave us that chance. We needed a little more cushion for our new home and they gave us a loan!! The staff members that I spoke to over the phone were so friendly and really made me feel comfortable and unashamed. The people in that office all treated us with respect, kindness and dignity.I highly recommend this company, not only for car insurance, but also for personal loans. Thank you

Review posted by Mary Sanders

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I’ve used AA for car insurance for years and years, and it’s always been great for me and I’ve never had any type of complaint about them. Recently, I was in need of a loan to fix my whole conservatory area of my house. I wanted to do it up for my wife and make it look really nice for her. So, I contacted AA about their personal loans.I gave them a call and went over all the details about their loans and had all my questions answered. AA was definitely there in my time of need. I would go back again without thinking twice. They provided me with the exact amount I requested and the interest rate is reasonable. Plus the customer service was exceptional! This is a company who is interested in helping people in need.THANK YOU.

Review posted by Dennis Flannigan

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AA has been in my life for a few years due to their car insurance. And I’ve been happy with their services for as long as I've been doing business here. Now that I asked for a personal loan, I’m even more impressed with this company. The staff members have always been very friendly, very polite and very patient in dealing with my concerns or needs. Never rude or in a hurry to get me out the office or off the phone but took the time to see what all they can do for me. Always made me feel Welcome and took time to get to know Me as a PERSON, not just an ACCOUNT, which makes the world of difference and keeps me coming back. I'm very much grateful for the AA’s services because they are always there looking out for me in helping with my needs. It is always a pleasure doing business with the AA. Thank you.

Review posted by Scott Pope

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  • Ease Of Use
  • Value For Money

After years and years of living in the same house, raising kids in there and all that, it was finally time to do some major work to the house. Especially to the bathrooms, kitchen and garden area. So I looked around for the best agency to ask for a loan.I contacted the AA because it had been recommended to me twice by two completely different people.From start to finish, I felt really comfortable with the AA. The employee made the process go very smoothly and enjoyable. They just needed a few items to verify who I was and my income. The rates are quite reasonable and they have very friendly staff. I requested the loan, and a day after that the money was in my bank account. I would recommend the AA to my friends and family if they needed a loan.Thank you!

Review posted by Delia Smith

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  • Flexibility
  • Ease Of Use
  • Value For Money

After a few months of being a bit short on money and knowing that I was in need of some financial help to pay off bills and pay a few things off, I started looking around for a loan. I decided to give the AA a go because it is a very well known company all around the UK and I had used it for my car insurance.The application process was very, very easy. It did not take a very long time get a response and to hear a decision on my application. I was surprised to find out that I would be receiving the money into my bank account in a couple of days. Overall, I am very satisfied with my loan, and not to mention that the customer service was great. I couldn’t have asked for a better loan company than the AA.

Review posted by Olivia Cortez

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  • Flexibility
  • Ease Of Use
  • Value For Money

I have had the same car for around ten years now so I finally decided that it was time for an upgrade and get something new and more modern. Buying a new car is never going to be cheap and having so many bills to pay it was hard for me just to get the amount of money that I needed.I researched online and asked around about the loans companies around and what would be the best for me. And someone told me that they had a great experience with the AA when getting a loan. So I gave them a go. I was very happy and pleased with the whole loan application process and the people who I spoke to over the phone during the process.I will definitely recommend the AA to family and friends. Thank you again for your service. I never knew how easy it was to get a loan until I came into contact with the AA.

Review posted by Marvin Lewis

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  • Flexibility
  • Ease Of Use
  • Value For Money

My wife and I went through a tough time when her father passed away and financially it was also very hard. We had to pay off some bills that he had left behind. Of course we didn’t mind doing so, but it was hard.We contacted the AA because we have used them for years and had asked for a loan before and were satisfied with them. They were incredible! They never gave up on us. And they accepted our request and lent us the amount of money we asked for. The interest rate was also quite reasonable. They were fast, easy, and gave us so much attention, making us feel secure. It was a pleasure working with the whole team. After a stressful few months my wife and I could finally relax and pay off everything that needed to be paid. When it comes to loans I won’t be going elsewhere!

Review posted by Jake Catton

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

Personally, I would highly recommend the AA for personal loans. I recently took out a loan with the AA to pay off some bills, and go on holiday with my family.All I had to do was go onto their website and fill out the online application form. The response is instant. I received a response letting me know that me application had been approved and that the process would start. The representatives were very friendly, and customer oriented. Also the interest rate on my loan was very good. For the amount of my loan the payments are also reasonable.It’s nice to have places like this to go that are all about helping and satisfying customers. I know where I will come if I ever need another loan. Overall it was a great and easy experience for me.

Review posted by Vera Flannigan

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  • Flexibility
  • Ease Of Use
  • Value For Money

It was very important for me to be able to get this loan. I needed a new heating system in my house, and the first place I came to was the AA. Absolutely no stress involved whatsoever and the process was simple, fast and easy. The staff I spoke to were all very efficient and very quick, I had received the money into my bank account within two working days. Now I could just sit back and wait for the new heating system to be installed. That was a great feeling. To everyone reading this and in need of a loan, this company is great and I recommend it to everyone.

Review posted by Anton Coe

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  • Flexibility
  • Ease Of Use
  • Value For Money

I’ve used the AA for my car insurance for many years now, and I’ve always been very satisfied with their work and commitment. So when I decided that I needed a loan I got in touch with them to see how it works.The application was done online on their website and it was just simple questions about me and my finances and things like that. The whole process from start to finish was quick and easy. The reps were very helpful and explained everything clearly so I could be confident and understand what to do. The whole process took only a short amount of time. The people are courteous and very pleasant to work with.Will definitely tell everyone I know about the AA personal loan service and how great the process is.Thankyou

Review posted by Valerie Ellen

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  • Ease Of Use
  • Value For Money

I own farm and made a business out of it by growing herbs. It’s a great business but it needs a lot of effort going into it and everything has to be very organized.Unfortunately the water system went down and left me with great difficulties to be able to water all the herbs on the farm. That’s when I realized that I needed to seek help and try to get a loan. I reached out to the AA personal loan service to see if they could help me through this situation, and the response was very positive. The process was simple and quick.I would definitely recommend the AA to anyone needing a loan. They were courteous and friendly throughout the application process. The next morning, I got a phone call saying that I had been approved for the amount that I had applied for I am truly grateful for the loan I got and couldn’t have asked for better service. Excellent experience!

Review posted by Jane Hudges

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  • Flexibility
  • Ease Of Use
  • Value For Money

I can't say enough about the quality of the service I continue to experience with the AA. For car insurance I have always had a great time dealing with them and now for the personal loan I requested I had an even better time than I ever expected. I needed a loan due to personal matters, so I asked the AA for a loan, and their answer to me was very positive and helpful. Every time I have ever needed to go to see them I have always been greeted with hello and parted with a thank you. And their phone service is just as pleasant. All of my questions were answered and they started on my loan instantly after applying. They also let me know that if I ever need to reapply to let them know and they would try to help. That kind of service makes the AA a priority for being paid every month. I would never want to disappoint those who have helped me with such kindness and respect.

Review posted by Victoria Baker

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

Thank you to the whole AA team for lending me the amount of money I needed in a bad time of my life.All I had to do was fill out some simple details about myself and my finances, click send and wait for a reply that came through almost instantly. It was such a delightful experience and I would give a 5 star rating to every single person who I spoke to on the phone. They were very helpful, made sure I was 100% certain about what was going on and offered me several different options that I could choose from. They were very careful in explaining all details as anyone who is in a professional business should do with each and every customer.No complaints here, only compliments to the whole team and the services that they provide. A big thank you for the loan and making my life so much easier.

Review posted by Joey Simone

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  • Flexibility
  • Ease Of Use
  • Value For Money

I needed a loan to buy a heat pump for my home. So I decided that asking for a loan would be a good option for me, seeing as though my finances and bills were a bit behind. The AA was efficient and quick about helping. Everyone in the office was friendly, and especially cordial, honest and helpful. Their customer service is what you expect from all companies but never get! It was such an easy process, and they were all very comprehensive about my financial situation.It was fast, easy, and convenient. The associates were super kind and knew what they were doing. The interest is reasonable but if you need money fast for an emergency, then it's worth it. I definitely will be recommending them to my friends and colleagues at work.

Review posted by John Eugene

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  • Ease Of Use
  • Value For Money

I googled loans and found the AA. I did already know about the AA company due to their adverts and things like that on the telly so I gave it a go too.The application process was easy. I got a answer back on the same day by a very kind gentleman, who explained the whole process to me and let me know the different options that were available for me. He was very thorough and let me know every single detail from the start to the end of the process. My process was very "Speedy". Lol! After the application process, I was approved and received the funds the next day in my account.So, basically I would just like to say that I highly recommend the AA for personal loans and hope that readers can find this info helpful!

Review posted by Heather Baltimore

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  • Ease Of Use
  • Value For Money

Finding a good loan company can be hard without the right people to guide you. A very close friend of mine told me a about AA and how she was pleased with the loan she got and how she was treated by the staff.I decided that it would be a good option for me, and knowing someone so close to me that was happy with it what could go wrong? Applied online, got a reply within a very short amount of time. Was asked if I'd like an appointment with processor, we opted for the next day. Everything was ready and went smoothly and was expedited with professionalism.If I end up ever needing another personal loan again I will use the same one again, definitely!

Review posted by Caroline

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  • Ease Of Use
  • Value For Money

I was really happy with the results from my loan. The requested amount that I requested was the amount I received. Customer service was good, very helpful and knowledgeable people that talked me through the process. I wasn’t sure about going through with it at first but after talking to the rep I knew that it was a good choice. Now I get to pay off everything I need and even have some extra cash to do whatever I need. So, overall, it was a good experience for me and I learned that the AA is a great place to get a personal loan. I was treated with respect and just had a good time.

Review posted by Linda Downey

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  • Flexibility
  • Ease Of Use
  • Value For Money

After my granddad sadly passed away a couple of years ago I looked into purchasing an apartment with the money he left me in his will. My parents had recently taken a loan with the AA to have loads of work done around their house and they were really satisfied with the process and outcome of the loan. So they recommended it to me. My mum basically helped me through it all, but I was really pleased that they lent me the money and it was such an easy process. So, this post is just to let everyone know that I’m really happy with this and I hope everyone can find this post helpful. Thanks!

Review posted by Sarah O.

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  • Ease Of Use
  • Value For Money

Our daughter is soon to be married, and my husband and I are happily paying for the wedding alongside our son-in-law’s parents. We’re not a rich family but we are OK financially. But we decided to look into getting a loan just to make sure that we wouldn’t be short on money in any kind of way.After looking at different companies’ loans and what was on offer, we settled with the AA personal loans. And it was a great decisionThe AA made sure that our application process was stress-free and easy. Now, happily my husband and I are proud to be paying for our daughter’s wedding.I would like to thank the team that made this possible. I can’t wait to see my daughter’s happy face alongside my to-be son-in-law on their wedding.Thank you

Review posted by Grace Peddle

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  • Ease Of Use
  • Value For Money

I asked around at work and with friends about possibly getting a personal loan and someone referred the AA to me, as she had asked for a loan herself to pay off some bills and debt. She sounded very positive about it and told me how much she enjoyed doing business with them.I listened to her opinion and remembered it when the day came that I had to go for the loan, and so I applied with the AA. Happily, I totally agree with her and her opinion. The customer service was great, they gave me different options and helped me choose the right one for me.The inscription was also straight-forward and easy. Overall, it was a really good experience.

Review posted by Lesley

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  • Ease Of Use
  • Value For Money

I have recently secured a personal loan with the AA and the service that I have received from them is very professional and positive. The online application was easy; they just asked a few really simple questions about me and about my financial past, shortly after my application was approved and that was it. I had tried some regular high street banks in the past and they really don’t compare to the quality service that the AA provides. Their professionalism and experience really comforts someone going through the loan process, especially if the loan is being requested for sad or personal reasons. Overall I am very happy with the service they provided to me, and would happily work with them again in the future.Thank you for your service to The AA and good luck to anyone looking for a personal loan. This is the place to be!

Review posted by Heidi Macey

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  • Ease Of Use
  • Value For Money

I searched for the right company to ask for a loan for a couple of months. And for me the best one I came across was the AA.I needed to do some work around the house as my wife and I are now expecting our first child. I needed to turn a spare room into a baby room and baby proof our whole house. So instead of stressing out and taking it out of our wages we decided that, for now, it would be a good idea to ask for a loan so that we wouldn’t be out of pocket when the baby came.The AA is a great company to do loan deals with, they were very understanding and helped me out a lot.After I received the cash I started working on the house as soon as I could to make sure that my kid would have a nice room and a safe house to be in. Overall, it was a very pleasant experience and I recommend them to anyone in need of a loan.Thanks

Review posted by Tommy G

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  • Ease Of Use
  • Value For Money

My husband and I butted heads a lot when it came to requesting a personal loan. He would keep on at me all the time that we needed to borrow money to be able to purchase and install a new kitchen and dining area that were in desperate need of replacing modernizing.I was very wary about the whole personal loan thing and told him that if it was what he wanted, then he would have to get it himself. And he did, he found the AA and asked for a loan. One day, he came to me to go through all the details, terms and conditions on the loan he was hoping to secure. And, I must admit, that what he showed me was pretty impressive.He got the loan and now our kitchen and dining room look wonderful. So I must thank the AA for providing us with a great loan and a new kitchen, and I must also thank my husband for being so stubborn!

Review posted by Giuliana

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  • Ease Of Use
  • Value For Money

A few years back I took a personal from a big company in the UK. I was satisfied with it and would use it again, but before I went straight into it, I decided to see what other companies around and if they could be any better for me. I came across the AA online, I was familiar with the company but had never used it. After reading all about it and comparing to other companies out there, I decided to go ahead and use the AA.What they offered to me was similar to what I had before, but with lower interest rates. So, for me it seemed like the perfect match!To anyone looking for a personal loan, there are a few really good companies out there, but I must say that this one is exceedingly good.Thanks

Review posted by Matthew J

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  • Ease Of Use
  • Value For Money

I needed a loan, but tried to avoid banks and looked around at the other loan options out there. There a quite a few good ones, but I chose the AA. I chose this company because I’ve heard good stories from people using their service and being happy with it.I made it a priority of mine to not let my debt go on longer and ask for a loan. So I went on their website and did the online application to apply for a loan. Shortly after sending my application off I received a reply approving my request.I received my loan not even a week later, so overall I’m very satisfied with the loan and the process of it. The customer service was also great. I will recommend this company to friends and family and tell them how trustworthy it is.Thank you

Review posted by Terrance S.

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  • Ease Of Use
  • Value For Money

Having been a member of the AA for many years and always satisfied with their service, I was surpprised to find out that they also offer financial services as well.I've used a few other loan companies in the past and although they served their purpose at the time, I saw no reason why I should not ask theAA for a personal loan. I did need to do some work on the house before Xmas as this year it was our turn to accomodate and entertain the family.It was really easy. Everything was done online inluding the loan agreement and as soon as my credit worthiness had been verified the money was in my account. I asked for £8000 to be repaid over 5 years. Incredibly efficient and the interest rates far superior to most of the High Street institutions. Well done the AA.

Review posted by Lance Greenwood

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  • Ease Of Use
  • Value For Money

I needed another car and who better to ask for a personal loan than the AA. I've been a member for years. I saw the car I wanted and although the gentleman at the dealership tried very hard , his offer of inhouse credit just did not suit me.I recall a friend of mine mentioning that the AA also gave personal loans that you could use for basically any reason and that they were good with little or no red tape. I followed his advice and was pleasantly surprised to find that the loan I applied for online was approved almost straight away.Obviously a few details had to be sorted out in terms of affordability and employment history etc but that was soon done and shortly thereafter I had access to the £8000 I asked for. I chose to pay equal monthly instalments over 5 years and it even includes 12 months free breakdown coverage.The AA have really gone up in the world.

Review posted by Gregory Thompson

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  • Ease Of Use
  • Value For Money

My initials are AA and having used different finance companies for the cars I've owned I decided to approach the AA for my next car loan and happy I did too. The car I wanted was 4 years old with low mileage and priced at £7000. It was a real bargain. The AA were really quick and professional and the the entire process was done online. After the usual credit checks which were all OK the loan was approved and without much fuss, as soon as the loan agreement was signed, the money was transferred to my account. Included in the deal was 12 months free breakdown coverage. I now have my car and it's a beauty all thanks to the AA.

Review posted by Arthur Anderson

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  • Ease Of Use
  • Value For Money

When I heard from a friend of mine that the AA were not only involved in motorcar insurance and breakdowns etc and that they were also involved in financial services as in loans and more. This almost forced me to find out a bit more as I needed an unsecured loan to get some of my expenses under control. I went online and asked for a personal loan of £8000Obviously the necessary credit checks were carried out and before long the loan was approved. The debt was to be repaid over 5 years at a fixed rate which was great and believe it or not the monthly repayment was a lot less than the combined instalments I'm paying at present.I've settled most of my debts and now only pay the AA . What a pleasure.

Review posted by Bevan Williams

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  • Ease Of Use
  • Value For Money

I searched high and low for a loan company or bank that would lend me some money for my daughters wedding, without charging me excessive interest rates or hidden fees. Many offer you loans but there are a few catches. After comparing many, I settled for the AA, who apparently don't just specialise on breakdown services. I liked them as the interest rate is fixed, not dependable on the fluctuations of the Bank of England, so this way we know exactly how much we will pay until the loan is paid up. I applied for £8000 over a 36 month period. The funds were approved and deposited in my account in a few days. I have no complaints about how they operate.

Review posted by Daniel Twaites

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  • Ease Of Use
  • Value For Money

We bought our cottage almost 20 years ago and it was time to make improvements and re paint it. The costs were rather high, so it was necessary to apply for a loan. After some serious thought, my wife and I felt that our best bet was to apply with the AA. They have an immaculate name ansd years of experience which make them credible. We applied for £12000 over a 5 year period. Another point that swayed the scales in their favour is the fact that they offered us a 12 month free breakdown cover. So all in all I think we made a good deal. Soon our house will look spanking new!

Review posted by Allison Brown

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  • Ease Of Use
  • Value For Money

The AA were very helpful and flexible when I applied for a £6000 recently. They also gave me the green light instantly after I filled in their online application, which was easy to do. Their terms are very good. The interest rate they gave me is a fair one and it is fixed, so we can budget years ahead. They gave me a 50% discount on and upgrade of our Breakdown cover too, so all round It was a great deal. I'll be paying them over 24 months, keeping the rate even lower. So far I do not have one word of complaint against them and on the contrary I can only praise them. Excellent client services.

Review posted by Cheilaa Cornick

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  • Ease Of Use
  • Value For Money

Just last month I made the decision to buy myself a second hand, 2 year old 4x4 vehicle. It seemed the wisest thing to do, to approach the AA for many reasons. Not only do they practise fair interest rate policy, but borrowing from them comes with perks, like a 12 month free Breakdown Cover, which is tempting. In fact how can we opt to borrow elsewhere? This alone is a huge advantage. I bought my vehicle for £15000 and will be paying it over 48 months as this way the repayments are so affordable that I will hardly notice the money coming out of my bank account. Its a win win situation, so thank you AA for not just being a breakdown company.

Review posted by Alfred Cornick

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  • Ease Of Use
  • Value For Money

I could only afford to buy my second hand Mercedes thanks to the help of the AA. They helped me not just by giving me the £22000 loan I needed but also by providing me life insurance and offering me a 12 month free breakdown Cover as a gift. To top it all up they gave me a very attractive interest rate that is fixed and will not change over the years. This is a positive point as I do like to know exactly what my monthly expenses are so I can budget precisely. I decided to spread the payments over 5 years, so not to be under any pressure to repay the loan, which they allow as the maximmum period of time. I would like to tell other borrowers that I am pleased with them and they are worth considering.

Review posted by Mathias Taylor

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  • Ease Of Use
  • Value For Money

To me it was logical to apply for a personal loan from the AA to buy another car. It was only recently that I had found out that the AA also offer loans. We have been members of the AA as long as I can remember and feel safer on the road knowing that we are. The children were now both using the family car and we needed another for convenience so applied online for a personal loan of £8000. It was all so simple. They just needed to know our employment and financial status and instantly approved the loan. As soon as they were happy with the repayment structure which we proposed on the loan agreement the money was put into our account. Really professional. We now have our second vehicle which includes free breakdown insurance for 12 months. The AA are tops.

Review posted by Manfred Wallace

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  • Ease Of Use
  • Value For Money

Somehow I qualified with AA to only pay 4,4% APR on a loan that I took to buy my BMW motorbike. This was possibly because I was already a long standing AA member and possibly because my loan request was for £8000, which falls between the £7500 and £15000 bracket of the qualifying amount. I'm not sure exactly why, but what matters is that I qualified to pay a lower interest rate so I'll not complain! I was advised to pay over 48 months rather than the 36 months that I had initially requested. This was fair of them, as it lowered the monthly repayments immensely. Once the loan was approved the cash was in my bank account within 48 hours. I'm now the proud owner of my dream motorbike.

Review posted by Michael Lamy

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  • Ease Of Use
  • Value For Money

Whenever buying a car it's always the car loan that concerns most people. Are they getting the best deal? Should they have tried another company?Well, I've sorted that problem out. Having been a member of the AA for many years and always been satisfied with their service I applied for a personal loan of £8000 which was exactly the price of the car I was after. It was second hand but in mint condition. The application was done online and approved. We spread the repayments over 5 years. The great thing was that the money was made available so quickly after we signed the loan agreement. And once again the service was impeccable.The AA can be highly recommended.

Review posted by Roger Blake

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  • Ease Of Use
  • Value For Money

One thinks of the AA in terms of car breakdowns and car insurance etc. Thankfully I discovered that they also do personal loans at unbeatable rates and with so many advantages. It was so simple to apply for the personal loan of £10000 that I needed to replace my car. All done online and approval so quickly.The really good things are that the loan is unsecured and the rates are fixed so in my case the instalments will not change over the 5 year period I opted for to repay. My deal also included 12 months free breakdown insurance.If you are looking for a personal loan, not necessarily for a car, the AA is your best option.

Review posted by Christopher van Helden

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  • Ease Of Use
  • Value For Money

I needed a personal loan because i urgently needed to pay off 5 credit cards that I had abused without realising. I had not missed one payment so still felt that my credit score would be acceptable. Usually associating the AA with motorcars it seemed a bit unusual but I approached the AA and requested a personal loan of £15000. The idea was to settle all the credit cards and then only pay back one instalment, to the AA.My loan was approved with me having to pay 60 instalments by way of a debit order. There was very little red tape just the usual employment and financial verifications. Thank you to the AA. This changed my life.

Review posted by Sidney Thorpe

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  • Ease Of Use
  • Value For Money

I have belonged to the AA for many a year but never really knew about the other services they could provide. I just happened to be reading one of their leaflets that came through the mail and discovered that I could avail myself of a personal loan. I had been contemplating getting a loan from the high street bank, however, when I compared the interest rates I would get a better deal with the AA.I went onto their website and completed the easy application. I got a special deal because I was already a member of the AA, so that was a bonus. I liked the fact that I could get a free breakdown service for a year because of the loan, yet another bonus. This was a good decision and I received the funds quite soon after applying and being accepted.

Review posted by Tom F.

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  • Ease Of Use
  • Value For Money

I had to write a review on the personal loan process that I encountered with the AA. It was pretty cool. I was going to apply for a loan with my bank but when I compared the interest rates and that they would be fixed for the duration of the loan, I decided to go to AA to make an application.Their application was simple and did not take too long to complete. The monthly repayment fitted my budget and the time frame over which to pay back the loan was also comfortable. I believe I got a much better deal going through the AA than I would have at my own bank. The funds were available soon after I completed the application, I did not have to wait long at all.

Review posted by Elaine H.

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  • Ease Of Use
  • Value For Money

My daughter went on holiday to Greece and unfortunately she got sick there. She did NOT take out travel insurance so she needed to pay all the medical expenses. As I did not have the ready cash to transfer to her I contacted on line AA and applied for an urgent personal loan. I must admit that I did not even check out what the interest rate would be, as I just wanted the cash in my account asap. The only thing I noticed which led me to apply with them and not with another institution was that they claimed to give an instant decision. I can verify that such was the case and very quickly after their positive decision the cash was in my account. I'm grateful to them for having been so reliable and quick when I needed them. Now, with more time to look back on my rushed decision, I see that the interest rate is fair and applying with them was an all round good call.

Review posted by Tom Warren

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  • Ease Of Use
  • Value For Money

My niece just got married to a very good hard working man. Sadly my brother passed away some years back and therefore I am very protective of her and consider her my own child. I felt it was my duty to pay for the wedding reception, so I agreed to pay the bill which was a little over 11 K. I had some savings but not enough, so the solution was to borrow the £5000 that I was short. It took some time to analyse all the options available, as so many banks and institutions lend money these days. Upon scrutiny, applying with AA seemed my best bet, so I did so. The loan was approved immediately over 48 months. The interest rate charged was average and it was fixed which I favour as I can plan my finances this way. Im overall pleased with their work and have no complaints whatsoever.

Review posted by Brian Waterson

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  • Ease Of Use
  • Value For Money

When I needed to borrow £3000 last month I said to myself: Where do I begin"...? The choices are so ample that one gets a little confused and undecided. I read carefully what most lending companies offered and the one that stood out to me was AA. I had always believed they were a breakdowm service company and was so very surprised to see that not only do they also lend money, but they seemed to offer more than other banks. What I liked was the fact that their interest rates dont fluctuate depending on the Base Rate of the bank of England. Once they give you your monthly repayment amount that is exactly how much you will pay until the very end. I asked to repay over 2 years and this was accepted. I was also given the option of an exclusive deal on any breakdowns which was interesting. I cant deny I'm impressed and happy.

Review posted by Stephen Gooding

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  • Ease Of Use
  • Value For Money

MY husband and I are AA customers and have been for many years. We like their breakdown services as they are on the ball and very quick. When we needed to borrow £4000 recently , I suggested to my husband that we have a look at what the AA has to offer as I had heard that they also give out personal loans. I was pleasantly happy to learn that because we were already clients we were entitled to a half price upgrade on our breakdown cover. This was something we did not expect, so it was a nice gift. The loan was granted and we will be paying an affordable amount over a 36 month period. Great work AA.

Review posted by Catherine Morrison

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  • Value For Money

Out of curiosity more than the belief that AA offered decent deals on borrowing money, I looked into the possibility of a £6000 loan with them.I , in fact, expected the interest rates to be higher than the well known traditional banks, as, according to me, AA specialised in breakdowns and not in finance.I got a bit of a nice surprise when I saw that they actually offered a good deal, with fixed rate interest, a fair APR and even threw in the option for a free 12 month breakdown gift to new clients, which was my case.I requested the loan over 36 months but they recommended 48 months to ensure I was not under any undue strain to repay.Once approved the cash was transfered to my bank without delay. Good client services.

Review posted by Cheryl Chapman

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I wanted to buy my first car. I am only 23 years old and to me this was a big deal and I wanted to get the best possible offer to help me kick off. If I was going to need a car, I would need insurance and also a breakdown service company, so it made perfect sense to try get the breakdown and the loan in the same place. This is the main reason why I made the decision to borrow the cash via a personal loan with AA as this way my first 12 months cover on breakdowns was totally free. I chose an affordable car to buy and went on line at Readies.co.uk to fill in the application with AA. As I am young I asked to repay over 4 years the £7000 that I asked to borrow as I needed to make sure I could pay it back. They were swift in their decision and they approved the loan. Im very excited and thank them. I think I made the best choice possible.

Review posted by Anthony Mann

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  • Ease Of Use
  • Value For Money

I am a divorced lady who has been a client of AA with my ex husband for more than 12 years. I have never had to borrow money and always lived a sheltered comfortable life with him, but sometimes life is unfair and we have to deal with it. As I'm going through a testing period of my live emotionally I felt that a nice long 3 week holiday to Africa with my childhood friend would be a good thing to do. As it's not a cheap trip, considering we want to go on safari too, I felt I should borrow £4000 from a loan company, rather than touch my savings, as once we take out, rarely do we put back in. I applied on line with AA as I had heard very good references with relation to their interest rates and client services. Indeed they gave me a good deal and the interest is a fixed one from start to finish which is the safest way to go. They offered me 12 months free breakdown service as an additional perk too. The loan was accepted and I start paying them at the end of November after I return from my holiday. I'm happy with them.

Review posted by Michael Burns

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It is the second time that I see the need to take out a personal loan. The last time I did, I opted for a well known bank. They were fair and I have no complaints except that the interest rate was different almost every month. I did not like that and I contacted the bank to ask why. They explained it was because it was linked to the Base rate of the bank of England and some months it was lower, whilst others higher. It may have been so but I never knew where I stood which was irritating. The reason why this time my choice was AA, is precisely because their interest rate is fixed, so I know exactly what my instalment will be from month one to month 36. They threw in a 12 months break down service wich was also a plus and were very professional and quick. I have absolutely no qualms and prefer them to the other bank. Good to see.

Review posted by Victoria Mullins

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  • Value For Money

Up until recently I only considered the AA in terms of emergency breakdown recovery and car insurance. So when I went online to look for a personal loan to help me out of a financial emergency I was surprised to see that the AA were also in the business of lending money.After carefully reading their online website profile I realised they were a serious competitor for all the other more obvious and established banks and loan companies and their APR of 4.4% was certainly a deciding factor for me when I applied for a loan with them.I not only have a very competitive loan with the AA but I have also done something I should have done years ago, and that is take out AA breakdown cover for my all too unreliable car.

Review posted by Mike Jeffries

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  • Value For Money

We just wanted to say thank you to the AA for the splendid personal loan we have just taken out with them.We usually go to our bank for this sort of thing but a friend of ours had recently borrowed money from the AA after their bank had quoted them a very high APR rate because of their age and whiile we are not quite in our dotage yet we did feel that our own bank had been a little reluctant in recent years when we had approached them for similar loans and that seemed to be reflected in the interest rates they were charging for these loans.We thought we might as well give the AA a go and if we got quoted an APR of 4.4% for the amount we wanted to borrow that would be marvellous. We did get the loan at that rate and we also got a very quick response to our application which is more than can be said for our bank who were positively snail's pace in their response at times.We are off to see our son and his family for Christmas in Australia and it is all because of our loan from the AA.

Review posted by John & Audrey Wilkes

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I have been a member of the AA for many years and even though I haven't had to rely on their breakdown recovery service very often over those years, it has certainly been very reassuring to have that support if I need it.However, this personal loan is a first time for me because until I looked online at one of the loan comparison websites, I didn't realise the AA were in the business of giving loans. Once I realised this I decided to give them the opportunity to quote me for the amount I wanted to borrow and after a bit of cross referencing with some other quotes I had from other lenders I eventually went for the AA quote.Not only did I get a very competitive APR of 4.4% but I also a free breakdown recovery for next year. I don't suppose the breakdown recovery will be used much but as I said earlier, its nice to know it's there.

Review posted by Colin Vaughan

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Amazing customer service!!! Easy to get through to on the phone, the longest I waited on hold for was about 10 seconds I called up on a Wednesday afternoon and agreed my loan and I had my cheque the next day. the customer service is excellent. If you want to call them, you don't have to hang around on hold, I got through within seconds on the 3 occasions I called. I paid a little extra for the courier service but it was worth it as I had my cheque the next day. Highly recommended in these early stages, I'm not the first of my family member that has used them and that is satisfied.

Review posted by Merche Romero

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  • Ease Of Use
  • Value For Money

I had a personal loan at a good rate. Quick approval and exceptional customer service. AA has all of the business I can give them... always fair and helpful. I trust them more than any of the other large institutions I've dealt with. Reading negative reviews, they appear to be folks potentially getting enough credit to get over their heads. AA has one of the better industry ratings for stability so I can see where approvals may not be flowing like water. If I were looking to stack up available credit, I'd probably have a similar opinion as those denied. Now that I'm looking for a stable trustworthy banking environment that doesn't smack me with fees every time I turn around, AA has been the cream of the crop for me.

Review posted by Bryan Smith

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  • Value For Money

My husband is a veteran and we've been banking with them for a few years. I decided it was smarter to wrap all the credit card payments into one lump sum instead of paying multiple creditors. I wasn't sure if I was going to be approved, but I was. I was approved with Equifax score of 678, for £5,000. It wasn't an instant approval, but I noticed after I applied, there was a temporary account number with the loan amount in my account portfolio. 24 hours later, I got the formal approval. They also let you select your payment terms (12, 24 or 36 months) and your APR is determined by your overall credit profile. I had a few accounts potential negative accounts from a few years ago and didn't think I was going to be approved but was pleasantly surprised. I have everything on auto pay so nothing was late and at time of approval, my accounts were at 49% utilization overall. I was reading of of the other reviews about this product...some people wrote about coming close to their limits on credit cards and found they were denied for loan or whatever the situation is, AA looks at overall credit behavior, not just you score. I think that's why some people were surprised that they were denied even with a 700+ score. If you're exhibiting risky credit behavior, (high usage, close to limits, just making minmum payments, other possible derogatory accounts,) they won't take a financial risk on you, and it's nothing personal. At the end of the day, they're a financial institution and they have to protect their assets.

Review posted by Lilly Alan

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had a 580 credit score while going through a nasty divorce. Not very much bad credit (2 collection accounts and 3 errors that I had fixed through disputes), just not much credit history at all. Saddled with a sky-high 25% auto loan, I'd made double payments for 12 months without really raising my credit score much at all. 10 minutes on the phone with AA got me a loan that shaved 75% off my interest and fee expense. Now I'm waiting for a secured MasterCard and Amex- both from AA- to help me get my credit score on the upswing so I can get a home loan. I'm happy that they're giving me a chance to build my credit up. No complaints here.

Review posted by Juilan B.

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  • Value For Money

I borrowed to consolidate my debt. It was fast & easy. Payments are reasonable! Getting a title loan for the same amount was 100% harder. Now I can pay off my title loan and higher interest debt! I plan to pay off this loan early which is great because there are no prepayment penalties. The process for getting a loan with these guys is totally easy and the rates are unbeatable. I don’t know why anybody would use any other company because these guys have it all. I would definitely recommend to everyone and anyone, specially my family, without a doubt! Good Luck!

Review posted by Billy Phelix

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  • Ease Of Use
  • Value For Money

My wife and I were looking to remodel our guest bedroom, and needed some extra money for it. The application was really simple. There were no bugs, like we've experienced in the past with lending companies. For some odd reason, I couldn't verify my personal info online before the application was processed. I contacted the customer service center and they fixed everything. They were extremely professional and understanding.It was great and personalized, I felt like I was in great hands the whole way. I appreciated all of the security checks all along the way and clear communication with the staff at th AA. I highly recommend, to all my family and friends and even to people in the same sticky situation as me!

Review posted by Carl Clinton

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This is my second loan with the AA and because the first loan to help me buy a new car worked out so well I went to them again after a quick look on the Readies loan comparison website showed that the AA were still as competitive as they were a couple of years ago.Now that I am a fully fledged member of the AA this personal loan comes with the benefit of a half price upgrade on my current breakdown cover which is very welcome and coupled with the very low APR rate of 4.4% I really do feel as though I have got yet another great deal from the AA and would highly recommend them to other borrowers.

Review posted by Tim Woolacot

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I think it is quite appropriate that my current personal loan has enabled me to attend two out of the last 3 Grand Prix Races.I am not particularly keen on sport and never watch football or rugby tournaments but my passion is cars and driving as so that is what I like to do in my spare time.My wife is not a fan and so even though she doesn't mind me going off to watch these tournaments, she insists I do it at my own expense and that is why I occasionally have to rely a loan from the AA who, so far, have never let me down. And as long as Lewis Hamilton continues his run of wins I won't be let down by him either.

Review posted by Johnny Sykes

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The AA is famous for it's breakdown recovery service. So I think it is a bit ironic that I have just been approved a personal loan which is going to enable my wife and me to ditch the car for a fortnight and go on a splendid cycling/walking holiday in Portugal.We are not really ones for lazing on a beach and neither of us like the weather to be too hot so this is the perfect time for us to take our annual holiday and the personal loan from the AA means we can stay in some very nice hotels during our trip.We first got into the idea of using the AA for loans when we were renewing our breakdown recovery policy and we have had a couple of very satisfactory loans with them now. Provided they continue to offer such a good APR on their loans I think we will probably be using them again in the not too distant future.

Review posted by Nige B.

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My name is Peter Morrison and Im a 38 year old man who lives outside of London. I am a AA client and use them for breakdown services. I needed some extra cash recently as my wife wanted to go on a 2 week cruise to the Caribbean and digging into our savings was something I was against. Whilst searching for a loan company, I was astounded to see that the AA was on the list, thinking they were not in the finance industry. As Im happy with their services, I decided to apply for the £5000 with them. It was a good decision as they knocked down my existing breakdown cover by 50%, a big saving.Also offered a good rate of interest. I will recommend them to everyone now as this is something other banks can't offer.

Review posted by Peter Morrison

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I have been looking to apply for a personal loan for sometime now... Our daughters wedding is sure to cost us a bundle...so the only way we could afford it would be by borrowing the extra needed cash. After much thought we opted for the AA as they gave the added perk of a 12 month free breakdown cover. This alone was a significant saving. We also compared interest rates with other banks and 4.4% seemed fair as we were looking to borrow £8000. After we applied we patiently waited. The answer came quicker than we expected and it was approved. We agreed on repayments over 4 years so not to burden us. I feel we have approached the right loan company.

Review posted by Carl Jonas

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Borrowing money is not an easy decision! There are many loan sharks out there so the trick is to find a reliable bank that is honest and is not looking to rip you off. Borrowing is always associated with paying interest and often with hidden fees. It is legally acceptable and still, often day light robbery. With this in mind my wife and I were extremely cautious when chosing the company to approach for a personal loan. We were impressed with the AA who offered us 12 months free breakdown cover on our car, a lower than we expected interest rate and a fixed one too. They were helpful and professiobal and guided us as to the best period to take the loan over, taking into consideration our salary and expenses. I felt we were not just a number and am very pleased with the service.

Review posted by Michael Anderson

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  • Ease Of Use
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I was looking for an unsecured personal loan because the family needed a second car. It was as simple as that and who better to approach than the AA. Having been a member of the AA for decades I only recently found out that they are pretty helpful too when it comes to motor vehicle credit and other sorts of loans too.We went online and requested £8000 as we'd seen a beautiful little runner that was in awesome condition. My wife even said it would be perfect for her. I'm sure certain credit checks were carried out but the loan was approved almost immediately and soon thereafter we had the money. We chose to pay off over 5 years and that didn't bother us much as it was a fixed rate loan which meant 60 equal instalments no matter what at a really good rate too.The car is a little gem and once again all thanks to the AA .

Review posted by Clive Barclay

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A personal loan was what I needed and the best decision I've ever made was to get the loan from the AA. They are completely professional and efficient just the same way they've been for years as breakdown specialists.I asked for a loan of £6000 and as soon as they'd carried out their necessary credit checks the loan was approved. So many advantages too (1) The loan is unsecured (2) The loan is fixed which means the instalments don't change during the entire repayment period. (3) You also get 12 months free breakdown insurance. And this is just to name a few other than the fact that everything is dealt with online. I opted to repay over 3 years using a standard debit order. I will certainly not hesitate to use the AA again.

Review posted by Ian McGregor

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I have had past experiences with the AA when my car broke down. I have always found them to be quick at responding and have never ran into complications with them. This was really the main reason why when I needed a personal loan last month, they seemed the obvious choice, although I confess, I had actually no idea that they were on the loan business. However when I realised that they also provided this service, I went on line and applied for a £2000 loan, asking to make the repayments over 2 years. To my pleasure, they approved my application instantly, which I did not expect. Their record of good service is now extended to loans. Good work AA, I shall recommend you.

Review posted by Peter Jackson

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The AA give you 2 reasons to celebrate. Firstly they provide one of the best car breakdown services and secondly they give loans without the burocracy associated with most banks in the UK!I can highly recomend them as they are professional helpful and their interest rate is fixed, meaning that half way through the repayments they are not going to change the amount they charge, if for example the bank of England raise the rates. To me this is important, knowing what to budget for every month. They also offered me a half price upgrade on my Breakdown cover. Thanks to them with no fuzz I borrowed £3000 to give my wife something she had been wishing for, without feeling the pressure of paying cash for it. I can not point any fingers so far.

Review posted by Bruno Lancaster

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My husband and I have belonged to the AA for many years and although I was aware that they offered other financial services, we have never looked into anything other than breakdown coverage.We wanted to put an extension on the back of our house and decided to get a loan to do it. Having just renewed our breakdown coverage, we were looking at the literature that came in the mail and saw that they offered very competitive loans. We went on line and completed their application which was pretty simple. We were surprised at how quickly a decision came back. The amount we wanted brought with it good terms so we went ahead and accepted.

Review posted by Lois Tom

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I am an existing AA member and had thought about getting a personal loan from them. I looked at their website and read up on the criteria that was needed to apply. I was interested to see what they offered as an interest rate, it did some quite competitive with the other lenders out there. I was pleased to see that they also offered deals on other AA products.I applied on line and completed their application which was pretty simple. I was surprised at how quickly they came back with a decision, very pleasing especially as it was a positive response. I accepted and asked them to proceed with the loan documents. Within just a few days, I had the funds in my bank, they were very efficient.

Review posted by Frank L.

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I found out about the AA doing loans from the chap at my local MOT garage. We were chatting while I was waiting for my car and he mentioned he had bought his wife a new car similar to mine with the help of a loan from them.Well I didn't need a loan to buy a new car but I did need to borrow some money to pay for my daughter's wedding and was just going to try my luck with my own bank.Instead I went straight on to the computer when I got home and looked up the AA website. I was very impressed with their 4.4% APR and thought I would see how good a deal they would offer me. Before I knew it I had applied for the loan and been given an instant 'yes' subject to the relevant credit checks and things.The wife's car is due for it's MOT shortly and I must remember to thank the chap at the garage for putting me on to the AA.

Review posted by George

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I had breakdown recovery service with the AA many years ago before I moved abroad and never got around to taking out another policy with them when I came back to the UK to retire.It was only when I went on to the internet to look for a personal loan that I saw the AA and was pleasantly surprised to see that they had expanded in to the lending business and were still going strong.After a bit more research on the loan comparison website I went back to the AA and applied for a personal loan with them and although I am very happy with the competitive APR they have quoted me, it was the 12 months free breakdown cover that clinched the deal for me.

Review posted by Mr K, Cheltenham

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My personal loan from the AA has made such a difference to my life because it means I can replace the old 'lean to' at the back of my cottage with a beautiful conservatory enabling me to enjoy looking at my lovely garden all year round.I had been wanting to do this from the moment I bought the cottage a few years ago but there were always other things that had to take priority.But I felt the time was right for me to get this loan provided I could get it at an affordable rate and the hours I spent online looking at various lenders before choosing the AA gave me enough information to know that I was getting a competitive deal from them.The free breakdown cover is another nice bonus and no doubt will come in handy once the winter sets in.

Review posted by Bev Thornton

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Car time again and needing credit again. So off I go looking for the car and looking for the best deal. The last car loan I took out was the one offered by the dealership. I was very green at the time and only months later did I realise that there were better deals to be had everywhere. A friend mentioned the AA and at first I thought he was joking but when I realised he was serious I applied online and gave them all the info they needed and before long the loan of £8000 was approved.So many good things about the AA that I found out including the facts that the loan is a fixed rate loan and they offer you 12 months free breakdown insurance too. I opted to pay off over 4 years via a monthly debit order and this was certainly a lot better than the last deal I had. Congratulations are in order to the AA.

Review posted by Jordan Anderson

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It was quite strange what transpired a few months ago. One of my closest friends decided to get married and he planned his stag party in Mallorca. Sounded great but the money at the time was not flowing and I needed to take out a small personal loan and when another mate suggested i ask the AA I thought he was kidding. I then went online and saw that he wasn't and filled in the personal loan application with all the details they needed and soon afterwards my loan of £3000 was approved.After checking out my credentials and me signing a loan agreement whrerein I opted to repay over 24 months at a fixed rate the money was made available. Quite incredible as they also threw in 12 months free breakdown insurance. I would and will recommend the AA to everybody.

Review posted by Jake Dennison

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First time ever for me to borrow funds, so it was a difficult decision to know which institution to apply to. A friend suggested I go to readies.co.uk as most lending companies are listed on that site. I did just that and when I was about to apply with a well known bank I saw AA. Out of curiosity I clicked on them as I pressumed they were on the list by error, knowing only too well that they were in the breakdown business, not finance. As it happens I was proved wrong...so read all about what they offered and in the end opted to apply with them rather, as it gave me the chance to take out a breakdown cover for my car, understanding the first 12 months would be free. I asked for £2000 payable over 2 years and was happy enough with the interest rates offered. Overall I think I made the best decision. The AA are also in the finance business friends! What a surprise.

Review posted by Thomas Sinclair

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I found out that the AA also gave out loans by pure accident. I went on the net and was actually checking them out as I needed a Breakdown Service Cover and whilst googling it the AA came up under various titles, including loans. As I had been thinking about taking out a loan of £3000 to go do Christmas shopping...I looked into what they offered in terms of interest rate and length of time allowed for repayments. I was pleased that the interest rate was fixed and that it was 4.4%, which was lower than what I know some banks charge. Also because they throw in a 12 month free Breakdown Cover, it meant a good saving, so I applied at once. Being 25 years old and having a good permanent job must have helped, as the loan was approved quickly. Im happy and recommend them.

Review posted by Fiona Anderson

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Borrowing money is always associated with headaches and stress as well as burocracy. Banks often want to know your life story and its very annoying. This is why I had always avoided it. Recently however, I found myself in a situation and needed £4000 overnight.... I searched on line for loan companies, saw the AA and decided to fill out the application form there and then as they promised as instant decision. As stated on their info page, they enquired if I was a client of their with the Breakdown Services and when I said I was not, they were quick at offering me free cover for 1 year. That was an added advantage, which was good. The loan was given and I start to pay on the 1st of December. Thank you AA for being uncomplicated!

Review posted by Charles Presley

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Some banks charge you added fees , they call it arrangement fees, anything to take more money from you. Knowing this, as I had been warned by a friend who had borrowed before, I was extremely cautious to chose an institution that did not. I found AA, that stated their interest rates were fixed, meaning the monthly payments would not go up and down...and that they offered a half price upgrade on Breakdown Covers to existing clients. As I am already a client of theirs I accepted this offer and applied for the £5000 that I needed, over 36 months. The decision was instant and the loan approved. They are better tahn banks I believe. Good for you AA !

Review posted by Dorris French

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Last year I took out a personal loan with a reputable well known bank. I have no complaints except that they charged me fluctuating interest rates, meaning it varied from month to month, depending on the base interest rate charged by the Bank of England. This meant I never knew exactly how much would come off my debit card monthly which made it hard. This time I made that a priority. To apply with an institution that guaranteed a fixed rate. I found this with the AA and much more. They were transparent in their information so I opted for them. The request of a £6000 loan over 48 months was approved and instantly. The money was in my account within a couple of days. It was a pleasure to deal with them.

Review posted by Morris Aspen

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I live in Belfast so decided to go with the AA when I needed to apply for some funds, having realised that they are based on my home city. I guess I´m a little patriotic. Also to be fair, my sister had taken out a personal loan with them previously and recommended them. I only needed a small amount of £2000 and I could pay it back comfortably over 1 year so I did not except any issues with my application. Also as I have been a client of theirs with my car for a few years. As expected the whole process was smooth and the loan was given for which Im grateful as stops me from taking out of my savings. Thank you AA.

Review posted by Anne Murphy

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I live in Belfast so decided to go with the AA when I needed to apply for some funds, having realised that they are based on my home city. I guess I´m a little patriotic. Also to be fair, my sister had taken out a personal loan with them previously and recommended them. I only needed a small amount of £2000 and I could pay it back comfortably over 1 year so I did not except any issues with my application. Also as I have been a client of theirs with my car for a few years. As expected the whole process was smooth and the loan was given for which Im grateful as stops me from taking out of my savings. Thank you AA.

Review posted by Anne Murphy

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I have borrowed 3 times from the AA. I feel so comfortable with them as they are always efficient and there is no red tape. Each time I apply they just do a quick credit check on me, verify my details and give me always an instant decision. I had all both times applied for less than £2000 and had always repaid in 12 months, but this time I asked for £3000 also over the same period of time. I like the fact that the interest rate is lower than most banks, 4.4% I paid each time, and that it is fixed. Client Services are also friendly and that goes a long way

Review posted by Phillip Waterson

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Budgeting ones loan with the AA is simple and straight forward as its always the same amount monthly. This is because, as opposed to most banks, the interest rates here are fixed, never changing. Also they do not use your car or house as collateral should you run into difficulties to repay. Another point that attracted me was the offer for the 12 month free Breakdown cover, as I was a new client. A nice gesture. The £6000 I requested over 36 months was accepted, and the decision was instant, although I did wait on line for the reply for quite a long time...but I guess its understandable as it was a fair amount that I asked to borrow. Overall impressed.

Review posted by Peter Mc Keen

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I finally found my soul mate and decided to tie the knot without delay. Im 38 years old and she is 24 and both were eager to go on a nice honeymoon to the Maldives. As it was all so sudden and I knew the wedding would be expensive, I asked the AA for a £6000 loan to help me cover all the expenses. They suggested I repay over 48 months so that I would not be unnder undue pressure and it seemed like fair advice to me. I did so, and the loan was granted instantly. The interest rate seemed about average and they were helpful. Thanks to them I do not have to go approach other banks and its sorted. Good customer services!

Review posted by Walter Peterson

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The AA deals in the automobile field but I had no idea they also give personal loans. My daughter having just finished university needed a little runaround but still something reliable. I told her I would buy her a car because she deserved it and she picked one out for £8000. I then went online and filled out a personal loan application for the amount with the AA and was pleasantly surprised when the loan was approved. After the normal credit checks I signed the loan agreement and opted to pay off over 4 years at a fixed rate which suited my pocket. The money was made available soon thereafter and my daughter now has her own little car mainly to get to and from work.Thanks to the AA for their promptness.

Review posted by Morrison Lawrence

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Many thanks to the AA for the superb personal loan they have just given me and my dear wife. We wanted to celebrate our 40th wedding anniversary in style and the loan from the AA will certainly make sure we do and perhaps have a bit left over for Christmas.Our daughter put us on to the AA when we told her what we wanted to do and once she explained how to use their website we were very keen to get on and apply for the loan ourselves just to prove to her we weren't total dinosaurs when it came to modern technology.The AA loan has a very competitive APR and the repayments suit us very well and won't stretch our monthly budget even though we are semi retired and earning a bit less. So now we are about to begin our anniversary celebrations and in case you are wondering, it involves getting on a very large boat and not doing much else except relaxing for the next fortnight.

Review posted by Stan Coleridge

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I felt I must congratulate the AA on the extremely good service they gave me with this personal loan. Had I made the application over the phone or in person I would have said a thank you at the time. Online applications make that sort of thing difficult or so I thought until my son suggested I take advantage of the online review facility which I hadn't considered.So this is me officially saying a very heartfelt thank you to all the staff of the AA who may or may not have had a hand in providing me with this very competitive and affordable personal loan which will enable me to replace my very old and outdated computer with the most up to date one I can get, provided it comes with step by step user instructions.

Review posted by Mr W., London

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Who would have thought that the AA would come to my rescue a short while ago when I needed a personal loan and it wasn't even for a car. I requested £6000 and after a few credit checks the loan was approved and they even structured the repayments so that they were easily affordable over a 3 year period. The loan also has a fixed interest rate which means that the instalments will not change for the duration. They even threw in 12 months free breakdown insurance. I know who I'll use when I buy my next car. I'd recommend the AA to anybody.

Review posted by Trevor Wilkinson

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For loans one will always imagine approaching the wellknown High Street institutions but I needed a personal loan a while ago and found the company with arguably the best deal around. Believe it or not, it's the AA. I filled in the application online and requested a personal loan of £4000. They have so many benefits e.g. there are no hidden costs and the rate is fixed so your instalment will not change for the duration of your loan. My loan was approved very quickly and the repayments set up over 24months which was perfect. After their credit checks it wasn't long and the money was available.The AA are really on the ball.

Review posted by Patrick Duffield

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My parents live in South Africa and my daughter was getting married. We speak often and they keep mentioning how much they'd love to be at the wedding and how long it's been since they've seen her. I know they can't really afford it and I do love them very much so I decided to bring them out. They deserve it. I therefore needed a personal loan as the wedding was going to set me back a bit too. Believe it or not I applied online for a personal loan from the AA. I asked for £5000 and also to repay over 2 years. I furnished them with all the details they required and before long the loan was approved. I signed the loan agreement and a standing debit order for the monthly instalments and the money was transferred to my account. My parents were ecstatic when I told them and all thanks to the AA.

Review posted by Mason Cooper

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If you have a breakdown, who do you call? The AA of course! Well my car hasn't just broken down, it's breaking up. I need another car and a friend told me to apply for a personal loan from the AA. I thought he was joking but I then went online and filled in the application giving all the relevant details including the amount I needed, which was £8000 and the repayment period I wanted which was 3 years.My loan was approved almost straight away which was great because I had seen the car I wanted and was a bit worried that it would be sold to someone else. Well I needn't have worried because I soon had the money and the car and a free breakdown service contract for 12 months and my monthly instalments at a fixed rate. The AA are still the best.

Review posted by Grant Haversham

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It was pure word of mouth. I don't believe many people know about the AA's loan services. I certainly didn't until I needed a personal loan promptly to buy a car that wouldn't be in the showroom for very long. It was a real bargain. It was so simple too. An online application was filled in wherein I asked for a personal loan of £8000 and also for the repayments to be debit ordered from my account over a 3 year period. My creditworthiness was checked out and my credit score must have been high because my loan was approved and as soon as i'd signed the paperwork the money was in my account and I now have the vehicle I wanted. The AA are tremendous.

Review posted by Alvin Perkins

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I knew that the AA was all about motorcars. What I didn't know was that you could get loans from them, if you qualify, for just about everything and that's when i applied online for a personal loan of £6000 to furnish the new unfurnished apartment I had just moved into. It was urgent as it's really not my style sleeping on a mattress on the floor. To qualify obviously you need to be gainfully employed so you can make the repayments etc. I was, so my loan was approved and I opted to repay over three years which was affordable and I got the money really quickly too. They also offered me 12 months free breakdown insurance. I think the AA are wonderful.

Review posted by Barry Swanson

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The family needed a second vehicle and we were after a car that wouldn't set us back too much but could still be used regularly by the kids and for my wife to transport pets as well. I knew the AA was the one to approach as a work colleague had told me about his loan with them and so I applied online for a personal loan of £6000 as the second hand vehicle we'd chosen was a bargain at that amount. WE liked that the loan was unsecured and that the rate was fixed and after a few credit checks the loan was approved and the monthly repayment structure over 3 years suited us perfectly.We now have the car and a 12 month breakdown service FREE! The AA are still the best.

Review posted by Paul McIntyre

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A personal loan for a personal matter was the situation I found myself in and after doing loads of research on line and getting loads of advice from friends I finally applied online with the AA asking for £6000 as a personal loan to be paid back over 3 years. And how surprised I was finally believing that it wasn't only cars and breakdowns they had in their portfolio. The loan was soon approved and after a few credit checks the money was transferred to my account.The beauty of the AA is that they offer fixed rate loans and it's unsecured too. I would recommend that everybody in need of a loan with special circumstances use the AA.

Review posted by Robert Newman

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I desperately needed to upgrade my car. I'd just started a new job which kind of has a little bit of status. It also came with a reasonable increase and therefore I started looking around for something a bit more flashy.I saw the car I wanted and the dealer offered me £6000 as a trade in for mine. The vehicle I wanted was £18000 and so I applied for a personal loan for £12000 with the AA and agreed to pay off the debt over 5 years. It was quite a long period but the loan was unsecured and had a fixed rate status which meant that the instalments would be constant for the duration of the loan. As soon as my credit rating was confirmed and my residential and employment details OK'd the loan was approved and the money made available not too long after. I even have 12 months free breakdown insurance. The AA were Brilliant!

Review posted by Spencer Dillon

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A personal loan for Christmas was something I urgently needed this year and only because September and October were the mishap months when everything that could go wrong, did! So all the unbudgeted expenses blew a huge hole in my pocket and the wife and I didn't have the heart to disappoint the little ones. They really look forward to the holidays and both have a big bag to fill when Santa visits.I did some searching on line to find the best company and a friend vouched for the AA whom I had read about as well. I applied online for a personal loan of £3000 repayable over 12 months and the loan was approved very quickly. A little bit of red tape followed which was the norm and the money was in our account. The AA were really helpful. They now also have me as a new member.

Review posted by Vincent Robinson

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Looking for the right credit can be tricky at times . You think you've got the right deal and then you realise that if you'd just been a bit more patient you could have found much better. This almost happened to me again until a friend told me to have a look at the AA. Oddly enough at the time it was a car I was after but I learnt that the AA offer all kinds of financial services. I went online and asked for a personal loan of £8000 to be settled via a standing debit order over 36 months. I chose this because it's a fixed rate loan so the monthly instalments stay the same. As soon as my credit rating was checked the loan was approved. Next was to sign the loan agreement and the funds were in my account a few days later. I would recommend the AA to anybody.

Review posted by LARRY LATIMER

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Being approved this personal loan from the AA has made my year. Without it I would have had to cancel my trip to Scotland to spend Christmas with my brother and his family. My wife passed away 3 years ago and my brother and his wife have made the journey down to spend Christmas with me for the last two years and I felt it was time I made the effort to go up and see them this time. I had been putting money away each month but then my boiler went on the blink and the cost of replacing it used up all my savings. As I had been planning on driving up to Scotland I had already checked my breakdown cover with the AA was still current and that is when I discovered it was possible to get a loan from them.When my loan was approved it also came with a 50% discount on an upgrade with my breakdown cover which is going to be very handy now that I plan to be visiting Scotland a lot more in the future.

Review posted by StantheMan

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We take out a loan with the AA every 2 or 3 years to pay for our trip to New Zealand to visit family and we have always been very satisfied with the service we have received from the staff at the AA Customer Services department. We occasionally have a problem with the online application but a quick call to one of their staff always sorts it out for us in no time.This loan was for a bit more money than we usually borrow and we wanted some advice before committing ourselves to it and the loan adviser we spoke to was so helpful that we thought we should write to say how much we appreciated her help and advice.As usual the AA have maintained their high standards and that is why we shall continue to use their excellent services.

Review posted by Mr & Mrs W., Boughton Monchelsea

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We wanted a new car and checked online to try and find the best deal possible for a personal loan and were quite surprised when we discovered that the AA also had banking and loan services to offer and not just the breakdown insurance.We had found the car we wanted and the dealer agreed to give us £3000 for our car so all we asked the AA for was £7000 and they approved it promptly. We decided on the 3 year repayment plan and loved the idea that the AA loan was a fixed rate loan and also the loan was unsecured. So much to like about the AA, even the free 12 month breakdown coverage. We had the money very swiftly without much burocracy and for that we thank the AA!

Review posted by John Beacham

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Not all my friends would agree with me but I do think that the personal loan I have just been approved by the AA is by far the best that is on offer when compared to some of the regular high street banks. Even my own bank couldn't match the very low APR of 4.4% that the AA are offering me and the added bonus of the 12 months free AA Breakdown Cover made it very easy for me to choose to go with the AA for this loan. I spend a lot of time travelling in my car and to have breakdown cover is a must for me.This will be my first loan with the AA but I have a feeling it won't be my last provided they continue to offer such a competitive APR and the all important free breakdown cover.

Review posted by Jeremy W.

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Its no exaggeration to say that my life revolves around cars. I fix them for a living and race them for a hobby. So going to the AA for a personal loan seems rather fitting. Of course, if the AA weren't offering such a competitive APR I might not have considered them. But the fact is they are offering a really great APR of 4.4% on the amount I am borrowing. They are also giving me 12 months free breakdown cover which is is not to be sniffed at as I know just how frustrating it can be when your car lets you down and no amount of tinkering under the bonnet can get it started again. So you don't have to be a 'petrol head' like me to appreciate the benefits of an AA loan but I think it helps.

Review posted by Jim Mitchell

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I am a longstanding customer of the AA but I must admit this is the first time I have ever had a loan from them. I have my lovely wife to thank for that because she normally deals with our breakdown recovery cover with the AA and likes to keep up to date with modern technology by doing things online now.When we decided to take out a small personal loan to pay for a nice holiday abroad next Spring my wife and I thought we would give it a go and try the AA. We managed to get through the application process quite easily and surprised ourselves at how accomplished we had both become with our computer skills.So to finalise this happy story we thought we would say thank you to the AA for our loan by posting this review which is apparently what folk do these days.

Review posted by Clive Adams

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After yet another very satisfactory loan from the AA I thought I should take the time to say how very happy I have been with the service I have received on both occasions.After many years of just subscribing to their breakdown recovery service I took out my first loan with the AA a couple of years ago after my bank refused my loan application. I was very disappointed to say the least but then a golfing pal of mine recommended the AA and I took his advice and gave them a call.Now that I am more adept with the computer I made this recent loan application online and it couldn't have been easier or more straightforward and being a previous recipient of one of their loans it entitled me to a very good APR and a hefty discount on my next breakdown cover. I couldn't be happier with the AA and shall continue to use their superb services for as long as I can.

Review posted by Ernie Braithwaite

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Having taken out life insurance policies for both me and my wife with the AA we were already familiar with some of the other services the AA offer. Our breakdown recovery cover was the first thing that introduced us to the AA quite a few years ago and it would seem that they have come a long way since then.We did a bit of online research before choosing to go with the AA for our personal loan but we decided to stick with them because we like the way they operate and while they have all the easy to use online options we still like to speak to someone on the end of a phone when dealing with issues as important as a loan. We just like to make sure we haven't missed any important information that might affect our application. I'm afraid I have been known to add one too many noughts before now so we didn't want that to happen again.The young man at the end of the phone simply filled out the online application for us there and then and gave us the good news that our loan had been approved subject to the usual checks.Now that we have the money in our account we thought the least we could do was to write and say thank you to the AA for such a quick and efficient service.

Review posted by Barry S.

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The first loan I ever took out with the AA was to buy my son his first car after passing his test and I promised my daughter I would do the same for her when the time came.Well that time has finally come and with the amount of driving lessons she had to take to eventually pass I could have bought a Bentley for myself too.But seriously, the AA has proved to be the right lender for me each time and it's not just because of their background of cars and breakdown recovery services. The AA have managed to take a very traditional company and bring into the 21st century and still manage to compete with the many modern high street and online lenders. As much as I like tradition I also like to know I am getting the most competitive deal that is available at that time which I am sure I have done on both these occasions.

Review posted by Jimbo

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I know that the AA now offers all sorts of loan deals and not only things to do with automobiles. But old habits die hard and when I needed some finance for a car that caught my eye the first thing I did was apply online with the AA for a personal loan of £7000 which they approved very quickly indeed. Obviously there were certain things about my financial status that had to be checked out but once this was done the loan was approved and before long the money was available for me to buy the car. I elected to repay over three years at a fixed rate.In good faith the AA also threw in 12 months free breakdown insurance. Better than the AA is going to be hard to find.

Review posted by Patrick Dalton

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I have been a member of the AA for many years and only just realized that as well as breakdown coverage, they offer financial services. I have wanted to upgrade my car but really don't like dealing with the car dealerships. I thought if I could go in with my car and cash that would make life easier and less stressful.I went on line and looked at their website to read the information they had posted. The AA have always been good to deal with so I felt pretty confident about making an application to them for a personal loan. I pulled up their application form and filled it in, it was an easy form to complete. I was happy with the interest rate they were offering and when their decision came back, which took no time at all, I accepted the terms without hesitation. I can highly recommend using the AA for a personal loan.

Review posted by Colin Bolton

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My parents gave me the AA breakdown service coverage as a present, when I bought my first car. I had occasion to use their breakdown service when my car failed me and I was so impressed with their service, I have always renewed the coverage every year. I needed to replace my car as the mileage was getting up there and I considered using the AA to apply for a personal loan to buy a new car. When I looked at the interest rate they offered it was better than the dealerships, so it did seem the way to go. I applied for a personal loan on line and was delighted that the process was efficient and not complicated at all. They offered me a competitive rate and the repayments were within my budget, so I accepted. Of course the added bonus was that I got free breakdown coverage for a year. Way to go AA, thanks.

Review posted by Sally Hampton

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I wanted to do some remodeling in my flat but needed some additional cash to add to my savings. My parents told me about the AA and that they offered personal loans. I would not have thought about applying to the AA, so I read up on the literature I had at home and discovered that they offered quite a few financial services.I filled out their online application providing all the necessary details they needed, it was not at all complicated, so that was a good start. I was thrilled when they came back to me so quickly with a decision. I was really impressed with their service and especially as it was a positive answer.

Review posted by Polly S.

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I have only been a member of the AA for a few years having been with their competitor previously. I have found them to be a very sound and efficient organization. I needed to take out a personal loan and having noted that they offered financial services, decided to apply for a loan with the AA. I wanted to help my daughter with her college expenses and because I saw the interest rates the AA offered were very reasonable, I figured they were a good option.I went on line to their website and completed the application form which was not difficult to understand, then sat back and waited for a response. There were not kidding when they said an instant decision, within no time at all they came back with an offer, which was most acceptable. I am pleased I applied to the AA and when they gave me a free breakdown service for a year, I was doubly pleased. How cool is that.

Review posted by Trevor H.

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The AA has been a super outfit to be a member of, not only for their great breakdown service, but also for the other financial services they can offer. I was interested in getting a personal loan for a home project I wished to undertake and decided to apply on line for a personal loan from them.I could not have been more happy when I found their application process to be very uncomplicated and simple. Their interest rates were comparable to the high street banks, if not better in some cases, and when their instant decision came back I was overjoyed. I had the money in the bank in no time at all and was able to begin my project at once. Great service from the AA, can't say enough good about them.

Review posted by Sam Tulley

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I chose to go with the AA when my wife and I were looking for a personal loan because I have been a member of the AA for many many years and have had car breakdown recovery service on every single car I have owned ever since my first nightmare experience of breaking down on my way to a friends wedding when I supposed to be the best man and get the groom to the church on time!Funnily enough this loan is to pay for our daughter's 'low key' Spring wedding which is still managing to cost a fortune and we wouldn't have been able to manage without the loan. My wife informs me that the wedding cake alone is costing more than we paid for our entire wedding back in 1977 but I have been warned not to moan about the cost of it all in front of our daughter, as if I would!The AA are charging a reasonable APR and to take the sting out of the tail they are including 12 months free breakdown cover which we are gifting to our future son-in-law who is a really decent chap but doesn't know a thing about cars so may well find it comes in very handy for him.

Review posted by Mac

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You don't have to be a car fanatic to appreciate the great deals the AA are offering on their loans. The loan I have taken out with them is even more competitive than the one my own bank boast about in their advertising and whats more the loan comes with various bonuses such as 12 months free breakdown cover and the option to upgrade any existing cover at a 50% discount.So by taking out this loan with the AA I have already saved money by getting free breakdown cover on my wife's car and upgrading my own cover as I do a lot more driving than my wife and am more likely to find myself in need of it.So it goes without saying that I am more than happy with this loan and until my own bank start offering money saving incentives like the AA I won't be going to them for a loan.

Review posted by Jim Collins

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Who would have thought the AA would bail me out of anything other than a car breakdown. But the truth is I had a few debts that were charging exorbitant interest rates and they were going nowhere. I'd read about debt consolidation so I went online to find a company that would give me a personal loan at a good rate.Believe it or not the AA came up trumps. Their rates are good and they're flexible. I applied online and once my credit rating was confirmed the personal loan of £6000 was approved. Just a little bit of red tape followed and I had the money. What I really liked was the fixed rate. I've since settled all those nasty debts and now just pay one instalment thanks to the AA.

Review posted by Brent Anderson

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My first ever AA loan was in fact to buy a car which is appropriate I suppose. However I have taken out subsequent loans over recent years and none of them were car related at all. My youngest daughter's wedding was paid for by good old dad and mum with the help of an AA loan and our son moved into his first flat with a little bit of help for the deposit courtesy of me getting another AA loan.It would seem that the AA have more strings to their bow than just getting people on the road and keeping them moving. Thanks to this recent loan my wife now has her new kitchen in time for Christmas and I shall be guaranteed peace and quiet until the grandchildren arrive on Boxing Day!

Review posted by Mr. K., Stanstead

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I did consider going to my own bank for a personal loan but after looking at the loan comparison website I was attracted to the AA loan option. Not only were they offering loans at a very agreeable APR but they were also giving you the bonus of 12 months free breakdown cover.Now as some one who didn't have breakdown cover but who was continually breaking down and having to be towed home that appealed to me and so I made the online application to see if I would be accepted.I was pleased that I didn't have to wait too long and once I knew I had the loan subject to the usual credit checks I was able to go ahead and make preparations for my wifes 60th birthday which involves transport of a different kind, a journey on the Orient Express, which my wife has always wanted to experience. So I would like to thank the AA for helping me make this possible for her.

Review posted by Peter., Norwood

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Deciding to get away for Christmas and the New year was a last minute thing and it was made possible by the personal loan we took out with the AA.When my wife announced somewhat downhearted that all the kids were doing their own thing over Christmas and we would be eating Christmas lunch as a duet, I decided to cheer her up and whisk her away somewhere warm and sunny where we could each Christmas lunch on the beach if we so desired.I went to the AA for the loan because we've had loans from them before and they have been able to process them really quickly and we didn't want to leave it to chance in case we wouldn't get flights in time. Once again, we got a very reasonable APR on the amount we were borrowing and apart from the usual perks of being an AA member, cheaper breakdown cover etc., we were just grateful to have got the money in time.So we are off to Tenerife tomorrow and all our offspring are suddenly feeling abandoned at Christmas. But at least they'll know what it feels like and might think again about abandoning mum and dad next year!

Review posted by Mr Jones, Cardiff

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Thanks to this loan from the AA we were able to replace our car for a more reliable model in time for our annual trip up to Yorkshire to stay with the wife's family over Christmas and the New Year.It's all very well us having AA breakdown recovery cover but when the cost of the cover is more than the car would get at a scrap dealers you know it's time to get a newer model.So we want to thank the AA for past breakdown recoveries on our old banger and thank you also for the loan to buy the newer model. And whilst we still have our AA breakdown recovery cover we are hoping we won't have need of it on this particular trip but it's still nice to know it's there if we do.

Review posted by Clive Jennings

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I got 12 months free breakdown cover with my personal loan from the AA but as I wanted the loan to buy a better car I am hoping that breakdown cover won't be needed just yet.My parents recommended the AA to me when I told them I wanted to get a loan and they said they had used them for several loans over the years and had been very pleased with the service they received. However, I was more concerned with the APR they would be charging me and I am happy to say that was what helped me decide to go with the AA in the end.The free breakdown cover is nice but it was never going to be a deal breaker for me. At the end of the day it was always going to be about what was coming out of my bank each month in repayments and fortunately for me it isn't going to be too much thanks to the AA and their very competitive deal.

Review posted by Jess G., Southampton

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A new year means a new car for me and thanks to the loan I have just got from the AA 2016 is going to start with a nice new set of wheels.My personal loan with the AA wouldn't have come about if I hadn't seen them on the loan comparison website as I only ever associated the AA with breakdown recovery service but it would seem they are keeping up with all the other loan companies and offering really competitive deals for people like me.I have been telling all my friends about the AA doing loans and they all seem genuinely surprised so maybe the AA need to rethink their advertising and spread the word a bit further afield. I work in Advertising so I might be able to give them a few ideas!

Review posted by Ed Shea

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Getting a personal loan from the AA was a stroke of luck for me because until I used the readies loan comparison website I didn't realise the AA did loans. I didn't even have breakdown cover but I do now because not only have I got a very competitive loan from the AA but they have given me 12 months free breakdown cover as well.I have been so impressed with the whole loan application process but I suppose I shouldn't be surprised because even though I didn't know that the AA did loans I have always thought of them as a highly respected national institution.My father was a lifelong member of the AA right up until he died a few years ago and I do wonder if he realised they did loans. I must remember to ask my mum next time I speak to her.

Review posted by Alan Whitely

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Most people I tell about my loan from the AA are as surprised as I was to find out that the AA did loans. Without the benefit of the internet I might not have discovered this fact and may well have ended up with getting my loan from my bank who were more than happy to give me a loan. However, I wasn't too keen on the APR they were quoting me. It does make me wonder why the AA can offer such a competitive APR when my own bank can't even match it let alone beat it.So I felt I wanted to say thank you to the AA for the loan and using this website is the ideal and convenient way of doing it.

Review posted by Philip Jones

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I was really surprised to find out that the AA are also loan providers for all sorts of loans and not only vehicle. Having already settled my car loan with them I then applied for a personal loan for a trip my wife and I wanted to take. We went online and asked for £6000 which was granted very quickly after the usual credit checks. We opted to pay back over 3 years via a debit order and appreciated the fixed rate status the loan had.In a matter of days we had the funds and enjoyed our holiday very much and all this due to the AA's flexibility.

Review posted by Terence Mortimer

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When you get to my age you don't want to have to save for a rainy day. If you want something then you should do whatever you can to make it happen.That's what my loan with the AA is about. I have borrowed enough for my wife and I to have the experience of a lifetime with an 'around the world' trip and rather than waste anymore time saving up for it we worked out how much we could afford to pay out of our joint pensions each month and based our loan amount on that.With help from the AA loan adviser we worked out a repayment plan that suits our budget and we can go off on our trip of a lifetime knowing that the loan repayments are covered and we still have plenty of funds left in our account to treat ourselves to any souvenirs that might catch our eye on our different excursions.My advice to anyone that is retired but still wants a bit of excitement, is get yourself an affordable loan from someone like the AA and fulfil your dreams before it is too late.

Review posted by Anthony Bristow

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We are extremely delighted with the personal loan we have just got from the AA and felt we should post our comments to say so.We have been members of the AA for many years and this is the second loan we have taken out with them. The first was for our daughter's wedding in 2010 and we decided that when that was paid off we would take out one so that we could treat ourselves to a cruise for our 40th wedding anniversary.This loan is just as good a deal as we got with the first one and they usual perks of free breakdown cover is always very welcome so we won't have to worry when the car plays up in the cold weather. But regardless of the breakdown cover we still would have gone with the AA and hope to continue to do so for any other loans in the future.

Review posted by Brenda & Geoff F.

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New year new car but same lender as I had for my previous car purchase because I have had no problems with any aspect of the previous loan and so it just made sense for me to go back to the AA for this loan.My first experience of dealing with the AA is probably the same as a lot of other borrowers, I took out a breakdown recovery policy with them back in the days when if you wanted a loan you went to see your bank manager. All that has changed now and the AA have taken advantage of a very lucrative market.They have used their excellent reputation within the motoring industry and expanded it to include a wide range of other services and they have succeeded because they are offering responsible lending with highly competitive interest rates.That's why I have come back to them for my second loan and I sincerely hope they continue to off this excellent service for many more years to come.

Review posted by Sam Cole

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The 12 months free breakdown cover aside, I still would have said that the personal loan from the AA was the best deal I could have got. My own bank couldn't match the APR the AA are charging me and that is what helped me make the choice to go with the AA. In my opinion if the AA can compete with the well established high street lenders then that's good enough for me. One glance at the loan comparison website showed me that the business of lending money is no longer the sole preserve of banks and the AA has built a very good reputation over the years which in my opinion has helped to give them credibility with regard to selling themselves as a competitive lender. I wouldn't hesitate in recommending them to friends and family because I have had a very positive experience with them on this particular loan.

Review posted by Tim Allerton

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My new porchway and front door are installed and its all thanks to the loan I got from the AA. My late husband was a member of the AA for many years and I still have breakdown recovery with them but this is the first time I have used them for such a thing as a personal loan and I'm not even sure my dear late husband realised they did loans. He was always moaning about our bank and I am sure he would have given the AA a try if we'd ever had the need for a loan when he was alive.One thing is for sure, I know he would be very happy that I got around to getting the new porchway built and replacing our old front door that was draughty and and beyond help even with the regular coat of paint it got every year.So I am writing this comment to say that I am most grateful to the AA for this loan and I think my husband would be amazed that I managed to do the loan application on the computer which was very much his domain when he was alive!

Review posted by Beverly Hawkins

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Chatting away with some friends in our local pub one evening and the subject of loans came up. One of the guys mentioned that the AA did loans and not one of us believed him. But I needed a loan and so when I got home I got the laptop out and me and the wife had a look at the AA website and sure enough they did loans and very competitive ones by the looks of the APR they were advertising.We decided to try our luck and made the online application which came back with an immediate yes decision. We were delighted and proceeded with the rest of the process and by the time I was chatting with my friends down at our local pub again I had my loan and the money firmly in my account ready for the first dip into it to pay for the wife and I to go on a cruise in the Spring. Who says time spent down at the local pub with your friends is wasted, I certainly wouldn't!

Review posted by Steven Courtney

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My AA membership was not the main reason for me choosing to go with them for my personal loan. The potential 4.4% was what really attracted me and I think it would be the case with a lot of people who are looking to borrow large amounts of money.When it comes to taking out smaller loans, it is easier to ignore that extra % on the APR when the loan is for a shorter period but when you are stuck with a loan that will be with you for several years you really want to feel you got the very best deal you could and that invariably means getting the lowest APR possible..That's what I have got with my loan which I have taken out over a 5 year period and so it won't feel like a millstone around my neck and the free breakdown recovery for a year is a nice little sweetener to add to the deal.

Review posted by Adam Drayton

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Our touring holiday around Britain in the Spring of 2016 is all covered thanks to our loan from the AA. We have borrowed enough to upgrade our car to an estate car that will be able to tow the new caravan without any problems and we were due to renew our breakdown cover which we have been able to upgrade with a 50% discount because of this loan.Over the years we have collected a vast selection of detailed maps from the AA because we are old fashioned enough to still prefer them to todays satnavs. So we'll be setting off with them and we'll enjoy getting lost once in a while because in our experience that is when you sometimes discover new and interesting places.

Review posted by Colin & Moira, Basingstoke, Hants.

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I know that the AA deal in all sorts of loans and not just car loans and car insurance etc. What I was after was in fact a personal loan to buy a second car for the family.I applied online for a personal unsecured loan of £7000 to be settled over 3 years. Certain credit checks had to be carried out to ensure that there would be no defaulting on the repayments. It didn't take long at all for the loan to be approved and what was especially decent was that the instalments would not alter for the period we were paying back because it had a fixed rate.We were also given 12 months free breakdown insurance which was great.I can assure you that if ever we need a loan again for whatever reason, the AA would be our first choice.

Review posted by Michael Morrison

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I had in fact just finished settling the AA for a personal loan I'd taken out 3 years ago for a car that I still have and hope to have for a number of years still. What I needed now was a small cash injection to go to Ibiza for a good friend's stag.The only reason why I applied for a personal loan from the AA was because I was totally happy with the last loan I'd taken out. I remembered that it was a fixed rate loan and it still was which is great.I applied online once again requesting £3000 to be settled over 12 months and they approved the loan straight away. All they wanted was residential and employment confirmation and the money was put into my account. They are totally professional and I'm so glad I took out the first loan because everything now is so simple. The AA are the best.

Review posted by James Pritchard

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I had seen a car that I fell in love with straight away and it was priced very well at £12000. The dealer made me an offer of £4000 for my car and a line of credit for the rest. I accepted his offer for my car but felt I could do a lot better with another loan company. My brother told me about the AA and that's who I approached for a personal loan of £8000. It was quite simple. All done online and I asked to repay over 4 years. I quite liked the idea that it was a fixed rate loan. After the normal credit checks the loan was approved and I now have a very special car and my thanks to the AA for their help and for the free 12 month breakdown insurance.

Review posted by Albert Jennings

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Every two or three years my wife and I take out a personal loan with the AA to pay for our trip to Canada to visit our daughter. It works out well because on the years that we aren't visiting her she visits us. So we don't have to wait too long in between each visit.We started using the AA for our loans about 6 years ago because our bank wasn't offering very competitive rates for the loan amounts we were looking for and as we had been AA members we had heard that they were offering loans at really competitive rates.We haven't looked back since then and we automatically go to the AA website when we want to apply for our loans. We like taking advantage of the various offers they give on breakdown cover and with us being a two car family it does add up to a nice little saving each year.This may be our last trip to Canada because our daughter and her husband are considering moving back to the UK to take up teaching jobs in London and we would be thrilled if that happened although we would really miss our visits to Canada because it really is a wonderful country.

Review posted by Melvin Rogers, Kidderminster

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My first loan with the AA was quite a while ago but I still remember that it was extremely competitive when compared to the regular high street banks, mine included. My bank couldn't match the APR that I was getting from the AA and since then the AA have managed to maintain that competitiveness whilst throwing in the perks of breakdown cover which is a must for me as I do a lot of long distance driving throughout the year.This current loan has just been approved and comes with a very agreeable 4.4% APR which is much lower than what my bank are currently quoting. So it would seem nothing much has changed in that respect and so I'll continue to use the AA to my best advantage until my bank bucks it's ideas up and manages to beat the AA for once.

Review posted by Robert Asquith

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With 2015 nearing it's closure I decided it would be a good idea to start 2016 in a healthier manner. I had a few exorbitant interest debts which included two credit cards and the idea was to settle all of them and only have one debt with a fixed rate that I would have a lot more control over even if it meant paying for a longer period. A close friend told me about the AA and at first I thought he was joking until I found out that they indeed offer all sorts of loans.I applied online and requested a personal loan of £10000 which I would repay over 48 months at a fixed rate. I was checked out in terms of credit rating and employment/financial status and once they were happy the loan was approved. The AA has in fact changed my life as all those awful debts have now been settled and the instalment I'm paying is a lot less than I was paying before. I would recommend the AA to anybody.

Review posted by Nelson McShane

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How many people know that the AA do loans? Probably loads but only if the're the ones who have AA breakdown cover I should imagine. I do and have had for several years but not many of my friends and acquaintances know about the AA loan facility until I tell them!The point of this review is to say thank you to the AA for once again giving me a very good deal on my loan. This is the third loan I have taken out with them over the years and I have been very happy which each one.That tells me that the AA are continuing to remain competitive with the other high street lenders and the breakdown cover might always be the first thing to spring to mind when people think of the AA but in my personal experience, it's their loans that I think of first.

Review posted by Mr A., Luton, Beds.

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We are delighted with our personal loan from the AA and want to say so because we think it's important to give positive reviews for things when they are deserved. Most people only bother to go online to complain or moan about things which can be very depressing and boring at times. We just want to say something nice and if it helps someone else to get a good deal on a loan from the AA then we will be pleased about that.We have been using the AA for breakdown cover for many years but our experience of AA loans is only recent. We were given the recommendation by some good friends of ours who have had a couple of AA loans and been very satisfied with them both. We already knew the AA did loans and we may have chosen the AA without this recommendation but it did save us the bother of having to do lots of comparisons with other lenders because our friends had already done the hard work for us which was jolly nice of them and is much appreciated, as is this loan from the AA!

Review posted by Jerry & Kate Price, Sittingbourne, Kent

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I have a life insurance with the AA as well as breakdown coverage, its amazing how diverse they have become and for one, I am pleased they have because they are a good organization to work with. I had decided to apply to them for a personal loan because I wanted to upgrade my car. I needed an SUV as my family has grown and the small family car was not big enough any more.Knowing the AA as I do, I went on line with complete confidence to fill out the loan application,.They are really a no frills outfit, everything is so simple and quick. They came back with a very quick response and offered me personal loan. What a super organization and the bonus was of course, I obtained free breakdown service for a year.

Review posted by Ben Tamry

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I have had the best luck with the AA organization and I rate them pretty highly on my list of people to do business with. I would urge anyone to give them a try for the many services they offer. Some people just think they help with breakdown services but they have a lot more to offer. So much so, that I wanted to consolidate some debts I had and recently decided to apply to the AA for a personal loan to take care of those debts.So rather than go to a high street bank, I went on their website and looked at their loan application. It seemed fairly straight forward and understandable. They said they can give you an instant decision too, so I completed the form and submitted it. They were not wrong, within no time at all they came back with a positive response. I am so happy I decided to apply to them.

Review posted by Jennifer Stills

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I have belonged to the AA since I began driving and have found them to be a pretty solid company. I knew they offered other financial services although I have not tried them for anything else. I wanted to take on a remodeling project at the house and considered that if I obtained a loan I could pay it off over a period of time, rather than dip into my savings.When I pulled up the AA website I was pleased to see that the interest rate they offered was very reasonable and felt I was on the right track to be applying to them. I filled out the loan application and sure enough they came back with an instant decision with good terms that I could afford, and I think much better than the high street bank. Way to go AA.

Review posted by Ted Wills

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My father purchased my first AA membership for me when I was in college so I have always looked upon them as my guardian angel. Now that I have graduated and am gainfully employed I really wanted to get a handle on my student loans and be done with them. My father told me about the other financial aspects of their company and that they offered personal loans. So I figured I should give them a try to see if they would approve a personal loan to take care of my student loans.I looked at their website and pulled up the loan application. I was pleased to see that if successful, I could obtain a bonus year of breakdown membership and upgrades on other products. I submitted the completed form and very quickly I received an instant decision. I am glad I went this route, they are really cool to work with.

Review posted by Angela Franks

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I was reading through the literature I received when I joined the AA and did not realize they also had other financial services available. I read with interest about a personal loan and it gave me the idea of applying because I really wanted to consolidate my credit card debt. The interest rates on my cards were horrible and it made perfect sense to be able to make just one payment, and at a lower interest rate.I looked up the website and had another read of their information. It seemed an easy process so I went ahead and filled out the application. I sent it off and they were not kidding when they said instant decision, they came back very quickly and I was delighted that my plan was going to come together. Good people to work with I thought.

Review posted by Dennis Dubery

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Very happy and satisfied with the loan from the AA. They have been true to their word and given me another very good deal. They obviously want their satisfied customers to keep coming back to them and I for one definitely will if they continue with the great deals they have been offering.I haven't had cause to take out another loan for a few years but this current one seems to be just as competitive as the last one and we took advantage of the 12 months free breakdown cover this time and we're glad we did because we may well be calling on the service this winter.I think another loan for a new car might be required soon and thats definitely something I'll be looking into once this small loan is paid off. In the meantime we are just looking forward to our summer holiday which is why we took out this loan.

Review posted by Peter Arnold, Upminster, Essex

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AA loans can be just as competitive as any of the other lenders, the high street banks in particular. So if you are torn between choosing your own bank or the AA for a loan then ask your bank if they'll give you a refund equivalent to 12 months breakdown cover and see what they say!I'm guessing it will be a firm but polite 'no' in which case I'd go for the AA loan every time. It's not rocket science is it. Any perks that come with a loan should be taken into consideration because in this life its not often you get something for nothing is it?I am more than happy with the AA loan I have taken out and even happier that it came with 12 months free breakdown cover, unless you don't own a car, who wouldn't be?

Review posted by Malcolm Taylor

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On both occasions of me trying to apply for a loan with the AA I have had problems with the so called online application. I don't know where I keep going wrong but it has been very frustrating. I thought these things were supposed to be idiot proof, not that I'm implying that I'm an idiot, that's my wife's job!Anyway, we have finally managed to get this loan sorted and now that approval has been confirmed I am once again putting another so called 'idiot proof' facility to the test by posting this review to say how satisfied we are with the loan agreement we finally got. AA do be so kind as to let me know if you receive this!

Review posted by Bernard Davis

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We have thrown caution to the wind and taken out a loan with the AA so that we can take both our elderly mums with us on a cruise this year. We usually go with another couple but they have had to pull out at the last minute and we thought it might be a nice treat for both our mums to experience the pleasure of a luxury cruise before they get much older and are less mobile.They were both widowed within weeks of each other and they get on like a house on fire so they should enjoy spending more time with each other and we can leave them gossiping on the sun deck while we go off and do what we want.We know that if we tell them we have taken out a loan to pay for this they will want to pay us back, but we wouldn't hear of it. After all, unless they decide to leave all their money to the local cat charity, we'll be getting it sooner or later.

Review posted by Kenneth Frost

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I don't have to seek advice about financial matters as I have been in the financial industry for many years but I have also been a member of the AA for just as long and I have been a big fan of their loan facility ever since I took out my first loan with them.I have had a few loans with them now over the years and I do take advantage of the breakdown cover offers that come with the personal loans. We are a four car family at present with both our children recently taking up driving and with this recent loan I took advantage of the half price upgrade so that we could ensure all of our cars are covered. So that gives me a nice saving and plenty of peace of mind knowing that if any of us breakdown especially during these winter months help is just a phone call away.

Review posted by Adrian Palmer

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A great recommendation from my golfing partner to try the AA for a personal loan. I was all set to just go to my bank but they were not offering particularly great deals on their loans at present and I really did want to try and get the lowest possible APR on the amount I wanted to borrow.Getting 4.4%APR was a great result for me and on top of that I got 12 months free breakdown cover. I hadn't ever had breakdown cover before so that made me think that maybe I should have been a member of the AA a long time ago like my golfing friend who knows a good deal when he sees it.

Review posted by Barry Foster

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I thought it rather appropriate to be using the AA to get a loan so that I could buy my wife a new car. I have been with the AA for many years and had more or less continual breakdown cover on all our cars and as the cars got older it seemed that breakdown cover was all the more necessary!This loan means the wife's new car can be bought and instead of selling her old one we are giving it to our son who has just passed his driving test. He can cut his driving teeth as such on this one and any bumps and scrapes won't be too big a deal for us. Who knows, if he treats it well enough it might even last long enough to pass on to our daughter if and when she decides to take up learning to drive.

Review posted by Henry Pickhurst

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Well I was going to get my personal loan with my bank until I saw what the AA were quoting for their loans and they seemed a much better option for me. I wouldn't have found this out without taking the very good advice my son gave me about using the internet to look at other lenders and what they were advertising .He was right when he said that things had changed a bit since I last took out a loan about 15 years ago and they seem to have changed for the better because there is so much more choice for borrowers and I was amazed at the sort of companies that are now offering loans to people. I wouldn't have believed it if I hadn't seen it for myself on the internet.I chose the AA because they were offering such a great APR for the amount I wanted to borrow and it came out on top compared to the several other lenders I looked at, including my own bank.I certainly feel that my little bit of research has paid dividends because without that and of course my son's good advice, I wouldn't have ended up with this very good loan from the AA.

Review posted by Mr H., East Grinstead

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I promised my wife a holiday to remember and for the last few years something always came up. This time we decided to book and pay for the holiday well in advance so that there would be no chance of us not going.We decided on a luxury cruise because that way you can almost choose the weather.We had saved some money but decided rather on a personal loan and my brother told me about the AA whom i would never have guesed to be money lenders. And so easy it was too. Everything was processed online and our personal loan request for £6000 was approved very quickly indeed and we also signed a debit order so everything would run smoothly.We've since booked our cruise and sipping cocktails in the sun is certainly on the cards.Our thanks to the AA!

Review posted by Desmond Baker

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What an interesting company the AA is. Indeed it seems rather odd that a breakdown company also lends people money. The combination did not seem right to me, but when I actually started comparing them with the other lending institutions, I was pleasantly surprised. Not only do they give you loans if you qualify, but they also give you other perks, like they did to me, by offering me a 12 month FREE AA Breakdown Cover. This really enticed me to borrow from them, as lets face it, breakdown covers do cost money....so it is a nice savings we are offered! I was over the moon and went ahead with them, having received an immediate yes answer. Impressive! And one thinks they will get it back by charging higher interest, but I certainly didn´t notice that!

Review posted by John Alden

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I am an existing AA client and have been for at least 5 or 6 years. Recently my wife and I decided to go on a long holiday but did not feel that it was justifiable to touch our savings, as money that comes out, seldom goes back in. We started to look for a good bank to apply with for a personal loan. Whilst searching on the website of readies.co.uk and comparing fees and rates of different institutions, we happened to notice that AA also offered loans, something we were unaware of. We felt that for financing we should rather stick with a bank, but on closer investigation we realized that the AA offer a half price breakdown upgrade to existing customers....so....this made up our minds for us, as well as the fact that the fees and interest seemed to be about the same as the others were offering. We applied and received instant confirmation. The £4000 were in our bank account the following day. Not bad service!

Review posted by Mario Reid

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Borrowing from the AA was one of the best decisions I´ve ever made when it comes to money issues. They did not ask me why I needed a £4000 loan upon receiving my on-line application, request for one. They offered me a free 12 month breakdown cover and did not ask me to sign any collateral. I also think that the interest they charged me was fair, so all round I feel that borrowing from them, was better than borrowing from one of the well known banks. A 4.4% APR was about the best I saw out there! I applied to pay the loan over a 24 month period and received an instant decision of approval. I think the AA is showing these banks a thing or two!

Review posted by Tony Floor

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I am a client of AA because of their breakdown services and I am happy with them, as last time my car broke down they were very efficient and quick. I was told a few months ago, when trying to borrow some money from a friend, that the best would be to apply on line with the AA. This caught me by surprise. Was I the only person that had NO idea that AA also lend money? Had it not been Frank, my very serious friend telling me, I would have laughed it off, but he rarely jokes. I am now very grateful to him for giving me this information as I received a good deal from AA and I got my loan too at an affordable fixed monthly repayment. I only needed £2000 but I now know that I can knock on this door again for a fair deal. If anyone is sceptical like I was, get over it! Its true, the AA DO lend money and put the banks to shame!

Review posted by Chris Dixit

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It is time to go on a nice holiday to Switzerland and ski. I have always wanted to do it, although I´m sure I´ll spend more time on the floor than skiing! My husband is very excited about this surprise. It was my birthday present to him. I paid for it last month but did not want to use our credit card as he would have seen the charges on the statement and it would ruin the surprise, so I had to take out a personal loan instead. I did not want to use our bank in case he found out by mere accident, so I approached a company that appears to have nothing to do with financing. I approached the AA, knowing that if correspondence arrived in the mail, he would not even open it, as we are AA customers and he leaves all the bills to me, opening only bank mail. It worked! I applied on line, was granted the loan, the funds were transferred to my account and I went to book our surprise holiday. I´d like to thank AA for their fair fees and charges and for their swiftness in approving the loan and making the funds available!

Review posted by Maggie Peters

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When I needed to borrow £2000 to buy my fiance an engagement ring, it was a rather an impossible decision to work out which lending institution offered the best deal. So so many out there offering loans, that at one stage I felt like flipping a coin. There are fees to consider, interest rates, hidden charges, etc, etc. Its a nightmare if you ask me! I was starting to despair as I was so very undecided. They all seemed to offer more or less the same, give or take a few differences. Then, I saw that the AA also granted loans. This was great and I knew I had found the right company as we had bought a car the previous week and had not taken out a breakdown cover. Taking out the loan together with the Breakdown cover that the AA threw in as a gift for the first 12 months, represented a huge savings. Of course our minds were made up. Thank you AA for providing both these services. In case others did not know, Im writing this!

Review posted by Frank Van Wyk

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I'm new to the online loan alternative to borrowing money but I am not so long in the tooth that I didn't find it easy and convenient and will definitely use the internet again for this sort of thing.I'll probably use the AA for any other loans I might need also because I am a longstanding member of the AA and wouldn't be without my AA breakdown cover on mine and the wife's cars.The loan we have just had approved by the AA is giving us 12 months free breakdown cover and it has come in handy just in time before the renewal was due on our current policy.So we have not only got ourselves a very low interest rate on our personal loan but also 12 months free breakdown cover giving us another very good saving.

Review posted by Derrick Wooster

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My one year loan with the AA is ideal for me. When you reach a certain age you don't want to be tied to something like a personal loan for longer than you really need. My way of thinking is that if you need longer to pay it you probably shouldn't be borrowing it in the first place. My wife disagrees but that's because she is very much a 'glass half full' type of person and seems to think we'll both live for ever!My view isn't necessarily pessimistic, I prefer to call it realistic. And realistically, if I am still alive this time next year and need another loan with the AA then I'll just apply for it and hope the AA give me another great deal on a loan and hopefully the wife and me will both still be driving and benefiting from the free AA breakdown cover!

Review posted by Mervyn Saunders

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I was looking for an unsecured fixed rate loan as I desperately needed a second car in the family. Who better to approach I thought than the AA. I knew that there were other companies out there but after having a good look online and really not finding anything better I applied for a personal loan with the AA.I asked for £8000 and a payback plan over 4 years using a standard debit order and that's where a fixed rate is so beneficial. It didn't take too long for approval and availability and they even tossed in a 12 month free breakdown service which was great.The AA are really professional and deserve all the laurels.

Review posted by Stanley Morrison

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I didn't really focus that much on the APR they are charging me for this loan because it was roughly the same as most of the other quotes I had from several of the high street lenders. But what I did look at carefully was the so called exclusive deals that the AA were offering. Was there going to be something of use and/or value to me and my family. If not then I might just go with the loan offer my own bank had given me.As it turns out, for me personally, the 12 months free breakdown cover was worth going with the AA for this loan. We didn't have a current breakdown cover on either mine or the wife's car but we really should have because we live in a fairly remote area right on the outskirts of our village and breaking down means a long walk home.I am not saying I would have chosen AA loans just for that reason because if they weren't offering a good rate I wouldn't have considered them at all. I think the AA loans are targeted just right because they don't have to be offering you the very lowest APR but if it is in the right region, then combined with the free breakdown cover the borrower will feel that they are getting an all round good deal. Which is certainly the case for me.

Review posted by Alun Powell

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The wife left it to me to sort out a personal loan to pay for our trip to South Africa. She mentioned something about using the internet because that's how people do these sort of things nowadays. Oh really I said with the merest hint of sarcasm, I would never have known!The fact is I have been using the internet far longer than she has because that's how I renew our AA breakdown cover and that's how I knew they did loans.So without delay I took the wife's invaluable advice (a bit more sarcasm) and used the wonderful invention that is the internet and got our loan from the AA. I threw in an upgrade on our current breakdown cover into the bargain!

Review posted by Charles B., Walton-on-Thames

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What a wonderful wedding ceremony our daughter and her groom had in Sintra, Portugal last year. The hotel provided the ceremony in a castle near Sintra. It was all perfect and the young lady Coral , who made all the wedding planning and arrangements was flawless. We spent a lot of money but it was worth it. We took out a £20 000 personal loan from the AA, as paying cash would have been out of the question. The AA offered us a very good interest rate and threw in a 12 months free break down cover as a gift to the bride and groom. We repaying the loan over a 60 month period as we feel we can afford the repayments over this period of time, as keeping the months shorter meant the AA gave us a good deal as far as the APR is concerned. I speak in favor of the AA as they were good ! We were fortunate with both the hotel and the financial institution chosen. The AA sure is competition to traditional banks.

Review posted by Peter Burke

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We live in farm on the country side and our twin boys have always wanted to have a horse each. Their own horse. They are good horse riders and normally go to a nearby riding school to ride. As they have had very good marks at school we decided that they deserved a horse each as a Christmas present. We approached the AA for a £3000 personal loan; as based on friends referrals; they offer a good interest rate and are professional and straight. Using the online calculator allowed us to calculate our monthly installment, spread over 36 months. They were quite quick approving the loan and I now have 2 delighted kids thanks to the AA coming to our rescue.

Review posted by John Gabriel

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A salesman nagged me over the phone to purchase a water bed as well as a massage chair. I am a sucker and battle to say no specially when it relates to comfort. As my husband would not have approved that I take this kind of money out of our savings I applied on line to the AA for a personal loan of £4000. I like the AA as our family has borrowed from them before and I remember they offered fixed interest rates and the installments were affordable. Also we never had a bad experience with them. Again the loan was granted and Ill have my purchase delivered next week. Im happy that we have a few good lenders like the AA to turn to when in need.

Review posted by Patricia Whitehead

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Cars and cruises, that's what we use our AA loans for. We have been using the AA loan facility for a number of years now just for the purpose of buying our cars and paying for our cruises. We do sometimes dip into our savings a bit. But in general the loans with the AA cater for most of our extra money requirements. Sometimes we have to forego the cruise when the car loans are still being paid off but that only happens every 5 or 6 years as we don't change our cars that often. But it makes us appreciate the cruises more when we have had to miss the occasional one.We like dealing with the AA and we have had a very happy relationship with them over the years, not just with the loans but for the annual breakdown cover that we take out as well. We will continue to use them for both these things for as long as we still enjoy motoring and cruising.

Review posted by Peter Drew

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AA loans aren't going to be everybody's cup of tea. The youngsters nowadays want trendy loan companies with even trendier names and gimmicky advertising. The AA is probably far too staid an image for them.I am speaking with some authority on this subject because that is exactly the response I got from my son when I suggested he use the AA for a personal loan he wanted to get recently.Luckily I am not guided by such superficial qualities and getting my loans from the AA have always been based purely on me getting the most for my money.My son didn't go with the AA for his loan and I do hope he managed to get the most for his money otherwise I will be very disappointed in him. After all he has canny Scottish blood running through his veins and I would expect nothing less from him.

Review posted by Duncan Anderson

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I think I have done rather well with this personal loan from the AA. It comes with a very competitive interest rate but on top of that I am getting my breakdown cover upgraded with a 50% discount and 12 months free cover for my wife's car.She doesn't do a whole lot of driving in it herself but we occasionally let our daughter use it to get to University when she has too much luggage for the train journey. So knowing that she is covered if she should breakdown en route is reassuring. We're thinking of letting her have the car anyway so it will be a good use of that free cover.

Review posted by Mr L., Milton Keynes

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Getting their loans from the AA probably wouldn't suit everyone, especially if they don't own or drive a vehicle. And a lot of new cars come with some sort of breakdown recovery service, so I believe.However, my car is older than my teenage grandson and I have been a member of the AA ever since I bought it. Breakdown cover for me is very important and the AA are the people I rely on for that.Taking out this personal loan was a natural progression and the money I will be saving on this years breakdown cover because of the personal loan coming with 12 months free cover is pounds in my pocket as far as I am concerned. I don't think I need say more.

Review posted by Thomas Pendlebury

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Having been a member of the AA for a number of years now, I am aware of the many services they offer apart from the well known breakdown recovery service. That's how I first got introduced to the AA personal loan facility. I had logged on to renew my subscription and decided to check out what they were offering by way of interest rates for their personal loans.That was about 6 years ago and since that first loan I have been most impressed with the overall AA brand of financial services. My current loan which the AA have just approved is just as competitive as that first one and I am delighted with the 12 months free breakdown cover which is going to be a nice bonus saving for me. All in all, another great deal from the AA!

Review posted by Maurice J., Eastleigh

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I have taken out this loan with the AA prior to travelling up to Scotland to visit family and friends but initially I only went online to renew my breakdown cover.Whilst I was browsing through the AA website I saw what they were offering with their personal loans and being a Scotsman, I was attracted to the saving I could make if I took out a small personal loan with them. 12 months free breakdown cover to be precise. The APR they were charging was very reasonable and as I could benefit from having a bit of spare cash for my trip I decided to apply for a loan.I'm off on my trip to Scotland tomorrow and the personal loan and the free breakdown cover are all in place now, so I should have a relaxed, pleasurable drive up there and be able to stand my family and friends a few extra drinks in the pub when I'm there.

Review posted by Mr M., Hayling Island, Hants.

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Well this is my first ever loan with the AA and I have to say how delighted I am with the experience. It was relatively easy for me to fill out the online application even though I am not particularly good with the computer and after I received my quote I decided to complete the process over the phone.I wanted to discuss the options with regard to the 12 months free breakdown cover that was being offered. I had not long renewed my own breakdown cover and didn't really feel the need to upgrade it. Could I use the offer to cover my son's car, if they said yes I would be very happy and if it was a no then I might feel a bit miffed.It all worked out very well because they agreed to the breakdown cover policy to be in my son's name and I appreciate it very much because my son has to do a lot of journeys by car with his job and having the back up of the AA should he need it is very reassuring for me and my wife.

Review posted by Mr F., High Wycombe

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My AA loan to buy my new car is most agreeable. I got a very low APR which is what I was hoping for when I chose to go with the AA for the loan. It beat my own bank's quote which was another requirement. My bank were insistent that they were offering the most competitive rate for the sum I wanted to borrow and I wanted to prove them wrong.Thank you AA, you have done that and you have thrown in a 12 month free breakdown cover which my bank certainly weren't offering. Come to think of it, my bank weren't offering much except a 'take it or leave it' attitude. So I'm glad I decided to leave it and go with the AA!

Review posted by Graham Barnes

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I have had a membership with the AA for several years and although I did know that they offered other services, I was not aware of them providing unsecured personal loans. I was considering the purchase of another vehicle and went on line to the AA's website to see what their personal loans entailed.I liked what I read about the AA's personal loans and that existing customers could obtain some extra benefits if they were granted a personal loan. Their terms of business seemed very reasonable so I decided to give them a try. While on line I filled out an application which was straightforward and not complicated at all. I received an instant decision which surprised me and I was offered a personal loan. The money was deposited into my bank by the end of the week. Amazingly simple exercise, thanks AA.

Review posted by Chris Hurst

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I was planning a special trip, my savings were not quite enough to cover the costs so I decided to look for a lender to fund this item. I went on line and found a website called Readies that listed several lenders and it gave quite a lot of information about the lenders and the varying terms that they offered. This was really helpful and saved me a lot of time and energy in research.I picked the AA for my loan application because they seemed reasonable in their conditions. I was a bit surprised that they gave loans, but that's what research is all about, finding out what's available. I filled out the application and within a short time received an instant decision, even more surprising. I was pretty impressed with their service. The terms they offered were reasonable and doable so I accepted. The money for my trip was deposited into my account shortly after their decision. Brilliant.

Review posted by Mandy Taylor

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Consolidating my few debts was probably the best idea I had for a long time. I was reading the literature that I received in my joining packet with the AA. I was astounded to learn that they had many other financial services available, including personal loans. As a new customer of the AA, I was not sure if it was too early to apply to them for a personal loan, but if you don't try, you won't know I told myself, so I did.I really wanted to pay off my debts and just have one repayment to think about. I went on line and found out a little more about the AA personal loans. I decided to complete the application, sit back and wait for a response. Well I was not disappointed, I received an instant decision. Very impressive, and the terms and rates were really good. I accepted their offer and was soon paying off my debts.

Review posted by Teri Hampton

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Several of my credit cards carried horrible interest rates and I needed to do something about it. I did not have huge balances but the interest I was paying was not realistic. I rue the day I took up with those advertising flyers about 0% for the first year and then wham they hit you. So a loan was in order to get these balances paid off.I decided to try the AA as I was an existing customer and have been for some time. The loan would not be for very much and I figured I could pay it off pretty quickly, especially if the interest rate was a good as they said. I went on line, put in my membership number and filled out the rest of the form. I was hopeful as I did seem to meet the criteria they asked for.I was accepted for a personal loan and could take advantage of special offers, which was a bonus. The whole process did not take long at all and soon I was paying off those cards. Thanks AA.

Review posted by Josh Lang

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I wanted to take out a short term loan to buy an engagement ring that I had set my heart on for my lovely girl. My savings did not quite cover the cost and I did not want to deplete the savings completely anyway, so I thought about finding a lender to take care of this purchase. I did some research on line and found the AA to have very favourable terms. I liked the statements and conditions they advertised so decided to apply to them for a personal loan.I completed the application on line which was not difficult and submitted it for a decision. They came back to me very quickly with a positive response which was pleasing. The money was available within a few days and I went along to the jewelers and bought that ring. Great deal AA, thanks.

Review posted by Sid Frost

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I know that the AA are now offering all sorts of financial services but I still see them as the company that helps everybody in the land keep mobile. And once again it proved to be as I approached them online and asked for a personal loan to buy the car I'd just fallen in love with.It was a kind of an upgrade because it was priced at £14000 and the dealer offered me £5000 for mine which meant my request was for £9000 which The AA approved after doing their normal credit checks. I elected to pay over 4 years as I wanted no pressure with the repayments and signed a debit order to make sure I din't forget. This works well especially as the loan has a fixed rate.Within a week I had the money and now have the car with a free 12 month breakdown clause thrown in. The AA are still doing what they've always done best and that is to always help keep the nation moving!

Review posted by Brian Mallory

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Thanks to some good advice from my dad I have now got a very competitive loan from the AA and 12 months free breakdown cover.I'd heard of the AA but I never gave them a thought when I started looking for a loan to buy my wife a car. She's giving up work shortly to have our first baby and she will need her own car. We'd managed to get by up to now because we both commute to work in London by train, sharing our one car at the weekends which hasn't always been convenient.I'd seen a nice secondhand hatchback being advertised in our local paper and after we went and looked at it we persuaded the seller to sell it to us as soon as we got a loan. He gave us a week and the AA loan took 5 days to be processed so it was a bit tight but we got it in the end and my wife is delighted with her car and we have 12 months free breakdown cover, so all is well in the Fletcher household at the moment!

Review posted by Charlie Fletcher

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Getting my loan from the AA was a good decision because it comes with 12 months free breakdown cover and my car is always a bit temperamental and prone to breaking down at the most inconvenient times, not that there is ever a convenient time for a car to breakdown. Ask any formula 1 driver about that!My AA loan is to pay for some renovations to my house and once the work is done we are planning on selling it. If our estate agent's valuation is accurate we should make a nice tidy profit on the sale and the AA loan will be the least of our worries, not that we would have to worry about it because we have got a very good deal and we can afford the repayments. We wouldn't have taken out the loan otherwise.

Review posted by Geoff Evans

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I thought I give the AA loans a go after seeing an advert for their loans on the TV. I don't know what I was expecting to find but I don't mind admitting I was pleasantly surprised to see that they were throwing in 12 months free breakdown cover with their loans.A very good way to attract more customers for their loans I thought and it attracted me because I did a bit of calculating and decided the APR they were quoting plus the 12 months breakdown cover meant it was a very good deal.I didn't have breakdown cover before I took out this AA loan but now that I have it I'm going to continue the cover after my free year is up because as me and my car get older I think there is a good chance I'm going to need that service more often than not.My wife has asked me not to mention why we took out the AA loan because she doesn't like people knowing our business but let's just say she'll be giving the neighbours an earache going on about a certain cruise holiday that we are now planning!

Review posted by Terence Bouther

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As long as I continue to get a good rate on my personal loans with the AA I will use them time and time again. I only ever borrow small amounts over short term periods usually they coincide with my breakdown cover renewal, but that's not always the case but when it does its nice to get the cover free for the next year.I've been a member of the AA since about 1970 when I got my first car and back in those days you were more likely to need the services of a breakdown recovery service as I found out only too well. Now its more about just having that peace of mind especially when you are doing long journeys.

Review posted by Alan, Solihull

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My AA loan came with 12 months free breakdown cover which was most appreciated. I have never had breakdown cover before and there have been more than one occasion when I have cursed to myself for not having it but still never got around to doing it. So getting a competitive rate on my loan with the AA was a reminder to me that nobody with a car over a certain age should be without breakdown cover of some sort.So, Sod's Law being what it is, I have no doubt that I will never ever breakdown during the next 12 months but come 2017 renewing this initial 12 months free cover will be top of my 'to do' list.

Review posted by Raymond Thorpe

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My AA loan has just been given the all clear and I am eagerly awaiting the funds to arrive in my bank account. I have never used the AA for a loan before but I am jolly glad that I found out all about them on the Readies loan comparison website. I doubt I would have considered them for a loan otherwise.Had I been looking for breakdown cover then of course they would probably have been the first place I'd have gone to. With the 12 months free breakdown cover that came with this loan, that's not something I have to worry about for a while and it's a very nice bonus on top of an already very competitive loan, so I am very pleased with my choice of AA Loans.

Review posted by Mr T.W., Brentwood, Essex

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We already had breakdown cover when we applied for our personal loan from the AA so we asked if we could use the free 12 months breakdown cover that came with our loan for our daughter's vehicle. They were happy for us to do that, and seeing as our current breakdown cover was with the AA it would have been churlish of them to refuse our request.The 12 months free breakdown cover is a very nice bonus to get with any loan but we wouldn't choose the AA for our loan just because of that. The loan has to be better than what our own bank is offering, breakdown cover or no breakdown cover. The interest rate has to be favourable to make it genuinely worth our while using the AA. At the moment that seems to be the case so we are more than satisfied with this current loan agreement.

Review posted by Henry Abbingdon

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Getting a 4.4% APR and 12 months free breakdown cover on my car were the rather nice advantages to using the AA for my personal loan. Adding it all up, it came to quite a considerable saving compared to the quote I had just got from my own bank.I hadn't used the AA before for a loan but I did have breakdown cover with another company which was coming up for renewal. It was when I was looking at alternative breakdown recovery companies that I came up with the idea of using the AA.I'd been thinking about taking out a personal loan and being able to 'kill two birds with one stone' seemed like too good an opportunity to miss especially as the 4.4% APR was one of the lowest I had seen advertised. It didn't take me long to realise I was getting a very nice deal indeed, and so I just went for it.

Review posted by Mr Schofield

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AA Loans are new to me and I only found out that they did competitive loans through a friend that is an AA member. I'm glad he put me on to them because they have just approved a very competitive loan for me and my wife and they've thrown in 12 months free breakdown cover as well.My friend said that was one of the reasons he first joined the AA and he hasn't been without breakdown cover ever since. Well if the AA continue to offer such great rates on their loans and keep giving the free breakdown cover as well I don't think I'll be going without breakdown cover either and I'll be passing on this good recommendation to some of my other friends.

Review posted by Dick Pargitter

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We've given our daughter some money towards her wedding. We couldn't afford to pay for the whole thing but this AA loan has enabled us to pay for most of it. We didn't realise how expensive weddings are these days and we were worried we wouldn't be able to borrow enough to be able to make a decent contribution to the cost of it all.Fortunately we were given a very competitive APR on this loan together with a repayment period that allows us to spread the cost out over a two year period and thus making the monthly repayments more than affordable for us. Our daughter wouldn't want us putting ourselves in debt because of the wedding and neither would we. So getting a good rate was very important and so was being able to make the monthly repayments without leaving ourselves short. We are delighted to say that we haven't had to do that with this AA loan.

Review posted by Roger S., Warminster, Wilts.

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I took out a life insurance policy with the AA a long time ago, so I was aware that they did provide other services. I had thought I would try and get a personal loan from them as I wanted to put down money on a car as well as trade in my current vehicle.I do have breakdown service with the AA as well, so having read the advantages of additional breakdown service if getting a loan, it was an easy decision.I pulled up their application on line and began to fill it out. I plugged in the amount I wanted to put down on the car and waited for, what I hoped, would be a positive response. I was in luck, they instantly came back to me with an offer of a personal loan. The AA are so easy to work with, they are a good organization.

Review posted by Clare Winstrop

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The AA were my first choice when looking for a lender. I had researched on line and found the Readies website which gave a brief breakdown of terms offered by several lenders. I found this very helpful, it saved me some time and energy.I needed to consolidate some outgoing payments I was making to a few vendors, it seemed a better option to have just one payment going out, if I could pay the debts down. I might even get a better rate of interest was my thinking too.I applied on line and the application for a personal loan was straightforward and comparatively easy. I received an instant decision, so there was not waiting days to find out, this was great. I was able to achieve my goal thanks to the AA.

Review posted by Sidney Farrow

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While at university, my father had insisted that I take out breakdown coverage with the AA. I was glad I did, my car was in the habit of quitting on me from time to time. They were a great service and I was always impressed with the speed with which they came to my rescue.I have been paying off my tuition fees which seem never ending, I thought it would be nice if I could get rid of this debt once and for all. My father suggested I look into getting a personal loan to pay down the fees. I had a good job so could afford it. It was probably a good idea. I knew that the AA did offer other financial services, so I decided to apply to them for a loan.I was amazed at how quickly they responded to me when I submitted my application. They approved me for a personal loan so I was able to pay off those fees, and I got some exclusive deals on other products, what a bonus.

Review posted by Julie Nyles

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I have been a member of the AA breakdown service for many years and have had occasion to use them too. They are such an efficient outfit I have always been impressed with them.As I was planning to do some home improvements at the house, I knew I would need some extra funding for this project. A personal loan was on the cards and when I had renewed my AA membership, I read in the accompanying documents that they offered other financial services. Why not try them for a loan, I thought, so I did.I was not disappointed. I filled out the online application and was instantly rewarded with an offer of a loan at very reasonable terms. The payments were doable and the interest rate was not bad at all. Good choice on my part to go to the AA.

Review posted by Tony S.

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Being a member of the AA has other benefits I found out, not just the breakdown service. I have not been one to read all the leaflets that you receive, but the file that I kept my AA stuff in, did have this flyer about their other services. Just as well I read it because I was in the market for a personal loan.I wanted to pay off my credit cards as the interest on them was getting unreasonable. I figured if I could get a personal loan I would probably obtain a much better interest rate, and, just have the one payment. So I applied to the AA on line for a personal loan. I guess my credit history stood me in good stead because they came back with an instant response and approved me for the amount I requested. The interest rate was much better so I was well pleased.

Review posted by Craig W.

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I looked online for a suitable loan to meet my requirements but I never thought I'd end up with a loan from the AA and getting 12 months free breakdown cover into the bargain. Well I wouldn't say the loan was a bargain but it was competitive enough and then made more competitive when they gave me the free breakdown cover. Breakdown cover is not something I had previously but I had thought about taking it out over the years but never did. So now I have a number to call whenever I have a problem with my car and it won't have cost me a penny.

Review posted by Keith Ashton

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I've just done the quick online application for an AA loan and I am more than delighted with the instant decision and quote I have received back. I am going to proceed with the loan because it is a really good offer. Im not saying no to the the 12 months free breakdown cover either because that's quite a bit of money to save on top of getting a good rate on the loan.All in all I think this loan is going to do me very nicely and I wish I had thought about the AA loans before because I think I might have been missing out on a very good service all these years.

Review posted by Mike, Andover, Hants.

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AA loans appeal to drivers like me who spend most of their working life surrounded by or driving in cars. My business is buying and selling classic cars and a recent auction meant the latest addition to my own personal collection of cars. But I couldn't have done it without my loan from the AA.I knew this would be my most expensive purchase to date and I wanted to make sure I had more than enough funds to bid confidently for this car. The AA loan enabled me to do that and I came away with my No.1 car which I definitely won't be selling on.As a very nice bonus, I got 12 months free breakdown cover which may come in very handy because even the most beautiful classic cars have been known to breakdown once in a while.

Review posted by Claude Patrie

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There are so many lenders to choose from these days and the choice for me to get a loan from the AA was very easy because I liked the rate they were charging me which was in line with most of the other main stream lenders but they were giving 12 months free breakdown cover that was not something I would be likely to get from the other lenders.I do a lot of mileage every year in my car and breakdown cover is a very handy thing to have and by all accounts I should have got around to taking out this cover myself. But to finally get it for free along with a very competitive loan, I feel I have got myself a very nice deal indeed.

Review posted by B.J. Crawley

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The AA was right up my alley. I'd used their breakdown service for many years and was completely satisfied. The next thing on the list was to take out a personal loan and buy a car that had caught my eye. The dealership had it priced at £12000. I had £4000 so just applied online for a personal loan of £8000 which was approved as soon as I could prove there'd be no risk of me defaulting on the repayments which were scheduled over 4years at a fixed rate which was outstanding.It didn't take long at all and I had the funds and the car. The AA are helpful in so many ways.

Review posted by Conrad Meister

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After a round of golf as we supped a well earned pint at the 19th hole I mentioned that I was looking for a competitive loan to help with the purchase of a new car. The AA loans came up and I had to admit that I had no idea the AA did loans. My golfing partner said he'd used them himself several times for small personal loans and that his last loan came with a year's free breakdown cover.I decided to look into it further when I got home and so I did. It turns out that not only are AA loans very competitive, but they do indeed come with the added bonus of 12 months free breakdown cover. I quite liked the idea of getting the breakdown cover and the interest rate was definitely competitive enough for me.I got my loan with the AA after only a few days of that initial conversation with my golf pal and the breakdown cover might not be needed very often with the new car I am buying but it is nice to have that extra back up if anything does go wrong with it.

Review posted by Charles Wainscott

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The AA give very competitive loans and no one is more surprised than I am because up to now I just thought of the AA as one of the most well known breakdown recovery services. Even people like me who have never taken out breakdown cover know about the famous AA breakdown recovery service.I decided to look at the AA for my loan when I came across them on the loan comparison website. They seemed to be very much into financial services and they were offering all sorts of deals on insurance, savings accounts to name but a few. They'd come a long way since their early days of breakdown recovery.I ended up applying for and getting approval on a very favourable loan and they were throwing in free for a year the same breakdown cover that got them started all those years ago. So it worked out very well and it's good to know that some things are still worth having no matter how flashy modern cars are becoming.

Review posted by Mr Hindsorte

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When I was searching the net looking for a bank to approach to apply for a loan I saw the " AA". Not immediately did I realize that it meant a breakdown or financial company. In fact the Alcoholic Anonymous is the name that sprang to mind initially. It made me giggle and I said to my wife that maybe this is the institution we should approach! What started as a joke turned out well, as indeed the AA were a lot more professional than what we had expected. They offered us exclusive deals on other AA products as well as granting us the 7500€ that we needed to do alterations to our cottage. Now that we have been make repayments for 5 months I can say with confidence that the AA are not bad! So if in doubt try them. You may be as surprised as we were.

Review posted by Anton White

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The AA are a very volatile company, as they offer so much under one roof. Not only breakdown services, which is what they are famous for, but also loans, something that too many people do not even realize. I think they should do themselves a favour and advertise more with regards to this last field. Had it not been my accountant telling me, I would not have known and would have opted to work with a bank. As it is, I am very impressed with their services. I was already a client of theirs with the breakdown services, but now am also a client of the banking sector. They lent me £4500 to buy my son a motorbike for his birthday and offered me very reasonable fixed interest rates. I think I couldnt have got much better anywhere else. Remarkable!

Review posted by John keenan

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We needed to get a quick £4000 loan for a special occasion that sprang up on us. Using our credit card was an option, but not one we favored, as we understood that the interest rates would be very high. We though about applying with the bank that we hold a current account with, but when we were comparing what they offered versus what the AA offered , we realized that we were better off using the AA, as the interest and fees were more enticing. Filling the on line application was a walk in the park, and as promised, their decision was instant. We are now satisfied AA clients and decided to let others one that they are one to consider.

Review posted by Carl Cobley

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My wife and I are in our mid fifties and as our 30 th wedding anniversary is coming up soon, we decided to spoil ourselves and go celebrate this special occasion on a cruise ship. Visiting the Med sounded exciting so we went to a travel agency to book our cruise. We wanted an outside cabin and didnt want to watch our pockets....so we felt it would be wiser to borrow the money and pay it off over 2 years, rather than going to withdraw it from our savings. With the help of our daughter we searched on line for the best deal we could find. The AA seemed to have the edge on a few points, so the AA it was! We applied for £3000 and had to wait no more than a few minutes before it was approved. I think we are privileged to have so much choice in the UK when it comes to taking out loans, and am impressed that it was so uncomplicated from start to finish. We will be leaving on the 2/4 and are thrilled!

Review posted by Malcolm Yates

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I am a 22 year university student but study via correspondence. During the day I work at an office as a clerk which helps me cover my studies. Fortunately I live with my grandparents, so my expenses are low. Last month I decided to invest on a small car and had to borrow the £3000 that I was short. The AA were fantastic, as they granted me the loan with no fuzz. They are giving me a fair interest rate and it is fixed. This is brilliant as I know I will not, during the course of the loan, receive any unpleasant surprises. I can budget to the cent. It will take me 3 years to pay it back, but at least I will not be under stress as I stretched out the repayments, so that it was affordable. Nice service that the AA are giving I believe. I shall recommend them to others.

Review posted by Anita Van Rooyen

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I think that although we have a vast choice of banks and institutions to chose from, when it comes to borrowing, many of them are deceiving and load you up with interest rates that are exaggerated and fees that are not disclosed, except maybe on very small print that no one notices.This is not good and being tired of being taken for a ride too often, I was extra careful this time when I needed £5000.It is ironic that the company that seemed to be one of the most transparent of all, isnt even known as a bank, but rather a breakdown service provider.Yes, it was the AA that gave me the loan instantly, offered me a fixed rate and appears to be upfront regarding fees.I am grateful to them and so far it has been a good experience to deal with them.I sincerely hope this doesnt change further down the line. At my age, I find this to be a BREATH OF FRESH AIR.

Review posted by Carol Mc Phee

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Knowing all about the AA and their wonderful service over the years it came as no surprise to me that they also offered personal loans and not just for vehicle financing. Their personal loans could be used for anything and it was with a holiday in mind that I approached them and asked for a personal loan of £4000 which I'd settle over 24 months via equal monthly instalments which would be easy to do as they offer a fixed rate.My credit history has always been good and the loan was approved without much red tape and within a few days I had the money.You can always count on the AA. .

Review posted by Barry Sherman

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I found out a short while ago that the AA give loans other than motorcar financing and the people I spoke to were really happy dealing with them.With this in mind I approached them and requested a personal loan of £6000 just to fill a gap. I applied online and after checking my credit references the loan was approved. It was as simple as that. I also asked to pay back over 2 years and that was accepted too. In a matter of days I had the money in my account. What I also liked was the fact that the loan had a fixed rate so the instalments would not change. Coupled to this I was also given 12 months free breakdown service. Incredible!

Review posted by Peter Weston

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We were hoping to get our personal loan from the AA because we had used them before a few years ago and they were one of the most competitive lenders we looked at and together with the breakdown cover offer we got as well we really felt we had got ourselves a great deal.For this current loan we were just hoping to get the same or similar deal because we really liked everything about the previous loan agreement which was just very convenient for us. We aren't set our ways as such but when something works for us we see no reason to change things.We're delighted to find that the AA are still offering great loans and we have got another 12 months free breakdown cover which as always is very much appreciated.

Review posted by Edward F., Poole, Dorset

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On the advice of a good friend I looked into getting a personal loan from the AA after my own bank turned out to be far too high with their interest rates.I must admit I was a bit uncertain about the AA being the right sort of company but I was very pleasantly surprised when I went on to their website and read all about them and the various types of financial products they offer. I had no idea just how big a portion of the financial market they were involved in.So the outcome is that not only have I just been given an extremely competitive loan from the AA but they have also given me 12 months free breakdown cover on my car. If I had been in two minds about the loan the breakdown cover would have sealed the deal for me because that is a very good freebie by anyone's standards and not one to be dismissed lightly. Well done to the AA for being very competitive and very generous into the bargain!

Review posted by Frank Marston, Dulwich, London

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I've always wanted to become a make up artist, but the courses are so expensive so my plan was to get another job in the meantime and try to save for the training I need. My saving hasn't been going that well, and I've had a few set backs. It has caused me to really lose motivation, and start to worry that I'll never be capable of doing the training I want. Then when I took out my annual car insurance with the AA, I also received a leaflet containing details about their loans. I never even knew the AA did loans, so when I made an application and it was approved, I was over the moon!

Review posted by Shelly Driver

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I've used the AA for my breakdown cover for as long as I could remember, so when I heard that they'd branched out and were offering loans too, I thought I'd take a look. The APR rates seemed very competitive, and as a long standing customer, I already knew the service I would get from them would be of top quality. It was great because they already had all my details, so I didn't have to fill out any long complicated forms, and just did everything over the phone. The staff were friendly and helpful as always, and it's been great to get the extra money that I need, when I needed it.

Review posted by Faye Browning

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Last month when money got really tight, I spent several hours looking at different money lenders in order to find a loan that would get me out of the tight spot I was in. I made several applications, but was only actually approved, that was by the AA. I guess all the companies have different criteria which they judge your affordability on, so just because one company refuses you, doesn't mean that they all will. I received an answer from them nice and quickly, and it didn't take long at all for the money to be transferred directly into my personal account.

Review posted by Adriana Hit

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I recently changed to a new gardener because I just wasn't happy with the way things were looking, and even after bringing up some of the issues I had noticed, nothing really changed. The new one is great, however they've informed me that I need a whole new irrigation system, and this is probably the reason my garden had been gradually looking worse. I phoned around and got quotes from a few different companies, but none of which were really within my small budget. One company that I spoke to offered an installment payment plan, but with a ridiculous interest rate - so this is when I began my search for a loan. With so much choice available, I was really lost about which was the appropriate loan for my circumstances. AA made things much easier, and I was assigned a personal adviser who explained everything. If you're looking for a loan but are confused by all the financial jargon, I can definitely recommend AA.

Review posted by Catia Honley

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Last year I decided I wanted to get all the windows replaced in my house. It's quite an old house that I live in, so the windows are the really old style, with just single glazing, which makes keeping the house warm in the winter months a constant battle. Although I knew replacing all the windows was going to be a large initial cost, I knew I would eventually be making a considerable saving on my winter heating bills. It was actually the AA who I turned to in the end, and although I wouldn't have typically thought of them when considering a loan, they gave me a really great deal with an easy repayment scheme and a low APR.

Review posted by Clara Simonds

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When I first saw that the AA were offering financial services too and not just breakdown services, I automatically assumed they were just working in a partnership with another money lender rather than branching out to the financial market themselves. After doing a bit more research I realised I was wrong, and they really were the ones offering the services, and what's more, they offered free breakdown cover for twelve months if you decided to take out a loan with them. That made it an easy decision for me, and I went ahead and put in a loan application. I was swiftly approved, and now not only have the money I needed, but a great breakdown policy too.

Review posted by Roxanne Kusseler

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I was renewing my breakdown cover online with the AA a few months ago and saw on their website that they were now offering financial services too. Out of curiosity, I clicked on the relevant tab in order to find out more. I have to say I was pleasantly surprised by their rates and competitive offers, and they also said you could get free or upgraded breakdown cover if you made use of their financial services. In my eyes this made an already great deal, even better. I did my whole application online, and when I calculated the savings I would be making, I'm so glad that it just so happened that my breakdown cover needed renewing at the same time that I needed a loan.

Review posted by Trina Scart

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Having used the breakdown service that the AA offer many times I was in no doubt that the AA were a well established, reputable company. So it wasn't a difficult choice to go with them for this personal loan. They are as reliable and efficient when approving their loans as they are with their other services and I couldn't be happier with the personal loan they have just approved for me and my wife.We wanted to borrow the money to pay for a special holiday to celebrate our wedding anniversary and decided not to go to our own bank but to see if we could get a more competitive rate on our loan from another lender. The AA came up trumps with this very affordable and competitive loan for us and we are delighted to be able to go ahead and book our special holiday within less than a week of applying for the loan.We shall be recommending the AA for loans to all our friends after receiving such a great service from them.

Review posted by Norman Bridges

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After doing a bit of online research my final choice to go with the AA for this personal loan was really quite easy. Not only do the AA offer extremely competitive rates on their loans but they also offer you great deals on their other services. I took advantage of their 12 month free breakdown cover and couldn't be happier with the overall experience of taking out a loan with the AA. They are certainly worthy of my recommendation. I have told friends about the excellent rate I have been given on my personal loan and they all agreed it was a very competitive rate compared to the other high street lenders. I don't think I would have got as good a deal with my own bank which says a lot for how good AA Loans are.

Review posted by Steve Burgess, Clacton-on-Sea

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We weren't planning on getting married but when we found out we were going to be having a baby we decided we wanted to tie the knot before we became parents. We had a bit of spare cash but not enough even for the low key wedding we were planning to have. We decided to get a personal loan and after a few minutes looking on the internet we came across the AA and liked what they were offering in terms of APR. We notched up the amount we were thinking of borrowing so that we were in the bracket for the 4.4% APR. We had plenty of baby things that extra bit of money could be spent on so we figured it was worthwhile. We did in fact get the 4.4% APR which has just made this loan from the AA even more satisfactory for us. We hadn't really given any consideration to someone like the AA when we first thought about a personal loan but we are really pleased they were advertising their loans on the loan comparison website otherwise we might not have come across them.

Review posted by Jon Salmond, Chiswick

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I think the AA are a very nice alternative to the banks when it comes to getting a loan. They have all the experience that banks have without all the corporate nonsense that banks use to suit their own ends. AA Loans seem to exist purely for the benefit of the borrower and not the other way around. The AA offer really competitive loans whilst still making a profit which is how it should be. I have told all my friends about this excellent loan I have got and the 12 months free breakdown cover they have given me as well. I wouldn't go to my bank for a loan if they begged me now that I have seen what the AA can offer their customers.

Review posted by Ant Littleton, Preston

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I am delighted that my loan with the AA has been approved and I am just waiting for the funds to arrive in my bank account. The AA were the last people I thought I'd be getting a loan from when I first went online to start my search for a competitive loan. My only recollection of them before now was that my parents always had AA breakdown cover for their car. I wasn't even aware that the AA did loans and I was surprised to see just how many financial services they do offer.My loan comes with a very competitive rate and convenient, affordable repayments and just to put the cherry on the top, they have given me 12 months free breakdown cover, which considering the state of my car, is a very welcome bonus.

Review posted by Deborah Meade, Portsmouth

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Another great service from the AA in the form of this personal loan. Over the years my wife and I have had loans, breakdown cover and insurance. All of which we have been very satisfied with so we don't ever feel the need to look elsewhere when we are renewing these policies. We're too old and set in our ways but we aren't silly with our money and we do always check on the internet to make sure we are still getting the most for our money and so far with the AA that seems to still be the case.

Review posted by Maurice Allen, High Wycombe

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We want to thank the AA for this brilliant loan that is going to be spent on our dream honeymoon. We are getting married in June and we have saved up and paid for everything ourselves but we just couldn't afford a honeymoon without the help of a small personal loan.We spent a couple of hours looking on the internet for a competitive loan and were quite surprised when we narrowed our search down to include AA loans. We had no idea they did loans and so based purely on the rates they were quoting we decided to apply for our loan with them.We were really happy when they approved our loan with a fantastic APR and 12 months free breakdown cover. We almost had our first proper row over whose car we should be covering but the AA said the cover was for both of us as a couple which we thought was so nice, a bit like an early wedding present for us!

Review posted by David & Emma, Godstone

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My dad suggested I try the AA for my personal loan as he had used them for his recent car finance loan. My dad's on the ball when it comes to getting the best deal on anything but before I took his advice I did check online to make sure there weren't better deals to be found.Hate to say it, but he wasn't far wrong. The AA weren't the best but they were right up there with the top 5 and so just to please the old man I went with the AA for my loan and his little face when I told him I had taken his advice was priceless. Having 12 months free breakdown cover thrown in as well made it even more worthwhile.So well done dad I'm pleased to see you still have all your marbles when it comes to money matters, shame about your choice of football teams though!

Review posted by Matthew Hodgkins, Colchester

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When I started looking online for a competitive personal loan I thought I'd try using the loan comparison websites to make the task a bit easier. Within minutes of going on to the Readies website I found AA Loans and once I had read their profile I decided to give them a try. I never would have thought I'd be getting a loan from someone like the AA but I was very impressed with all the different financial services they offer and their personal loans seemed just like the type of loan I was looking for. My main aim was to get a low APR and the AA have given me an APR of 4.9% which I am very happy with. I am delighted to have got 12 months free breakdown cover into the bargain which I definitely wasn't expecting to get when I first started looking for this personal loan!

Review posted by Pamela Bickerstaff, Coulsdon

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I am really pleased that I ended up getting this personal loan through the AA. I have always had a lot of respect for the AA who have managed to survive all these years by branching out and expanding their services to more than just car related things such as breakdown cover and insurance. Normally I would have just gone to my own bank for a loan but with the internet these days it is so much easier to shop around to find the very best deals and for me this turned out to be the personal loans the AA were offering. I also got the added bonus of 12 months free breakdown cover which is something I already had but now next year's cover will be courtesy of the AA so I am very pleased I went with them instead of my own bank.

Review posted by Jeremy Pratt, Stevenage

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Once again the AA have sorted me out with a very decent personal loan. This is the second loan I've had with them and I am delighted that they have been able to keep up with the other lenders and remain competitive. This loan comes with an even better APR than I got the first time round and instead of the 12 months free breakdown cover I have opted to upgrade my existing breakdown cover at half the usual cost. This will come in very handy as the new upgraded cover will take into account a lot more breakdown or non start situations which we may well encounter when we travel up to Scotland this Summer.I'm not sure when I may be needing another loan but if and when I'll definitely check out the AA first to see what they have to offer.

Review posted by Geoff Martin, South Woodford

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Me and my husband were getting so fed up with the cost of our energy bills each year that we've slowly been doing things around the home to help bring the yearly costs down. We managed to do all the most of the pricey jobs like insulation and double glazing but our funds quickly started to dry up when we still wanted to put a few solar panels on the roof. So we contacted the AA to find out what we could do to get a loan for our energy improvements. They suggested a personal loan would suit us and after looking over the APR and monthly repayments next to our joint wages, we were happy to proceed. It's been working really well for us so far. Once we've paid it off we may even look into another loan for some other home improvements!

Review posted by Harriet mayor

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My close mate Mark has been bangin on about going on a round the world travellers holiday for ages. And when he actually went and got a loan to cover his costs it got me to finking. So I sat down wiv him and we started looking at different companies and that that offer personal loans. I contacted a few different places but I went wiv AA because the bird I was talking to sounded well fit! Nah only joking, I was well impressed wiv how much I had to pay back. And how long I could stretch it out for. So I got it and we booked the holiday were leaving next month! Sorted!! Cheers AA!

Review posted by Jason mack

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I've been dreaming of setting up a little online arts and crafts company of my own for years, I've always made and created things in my spare time for friends and family in between my normal job but I really want to do it full time. I'd looked into getting a business loan but I didn't like the terms and conditions for such a simple and easy going idea. So my next idea was a simple personal loan. I went through a few on all kinds of sites but AA appealed to me because of the nice friendly nature of the staff and the simplicity of it all. I'm very content with my loan and how things have worked out. I launched my little craft site a month ago and it's coming on great.

Review posted by Milly

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How come everyone is choosing to get married abroad now a days? Two of my girls are getting married next year one in Madrid and one in bloomin Florida! Everyone from our friends group are signed up, I was the last to commit. The only reason I could was due to the AA loans department. It literally was a last stop attempt to see if there was any way I could actually afford to attend the weddings. I was so chuffed when they said I could borrow the whole £6,000 I needed and I could choose between 12-60 months repayment. Music to my ears! With the APR it was a super quick decision, now I'm one very happy and excited girl!

Review posted by Becky B

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We've taken out this 1 year loan with the AA so that we can give our daughter a bit of help with her wedding plans. She's far too liberated to want us to pay for it all but is willing to accept this cash sum so that she can have a nice honeymoon. Both her and her fiance work hard and have well paid jobs so they have been saving like mad for this wedding but as in life things have cropped up that have depleted their wedding funds a bit. So we know our daughter will really appreciate this cash from us. Likewise we are really grateful to the AA for giving us such a competitive rate for this loan and now that we have first hand experience of how good the loans are from the AA my wife and I are considering taking out another loan next year to pay for a nice second honeymoon for ourselves. Well life doesn't stop at 65 does it?

Review posted by George Cantor, High Wycombe

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It wasn't the reason I chose the AA for this personal loan but there's no denying the 12 months free breakdown cover was a very nice added extra with this loan. I'd had AA breakdown cover a few years back but it lapsed and I never quite got around to renewing it. Now that I have a brand new policy I am going to make sure I keep it renewed each year and as I have been so impressed with this personal loan I wouldn't be surprised if I think about taking out another one in the future, especially if the AA are still giving away free breakdown cover with them.

Review posted by D Fordham, Chichester

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I looked at several lenders on the loan comparison website but kept going back to the AA because I couldn't quite believe that they were quoting me 4.5% APR for my loan when my own bank had offered me a stonking great 5.6% and thought they were doing me a huge favour. And unlike the AA they weren't throwing in any freebies like 12 months free breakdown cover. Really there was no contest, the AA were the ones to go with and so that's exactly what I have done and I now have a marvellous loan and 12 months free breakdown cover. I don't know why I spent so much time deliberating, it was such an easy choice to make in the end.

Review posted by Marion Ellerman, Finsbury Park

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I have had no association whatsoever with the AA before taking out this personal loan with them and it has left me wondering why, because it is clear to me now that the AA is more than just a breakdown recovery service. They offer a multitude of other services, this brilliant personal loan being one of them and now that I've got my loan and 12 months free breakdown cover I will be giving the AA a lot more thought when it comes to other things such as house and life insurance. If they're as good as this loan I'd be silly not to consider them. When I saw them listed on the loan comparison website I thought I would read a bit about them but I never expected to actually be taking out my loan with them but I'm jolly glad that I am.

Review posted by J Beasley, Mitcham

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I've always liked the AA as a trustworthy and reliable company and have had several of their insurance policies and breakdown cover over the years. This personal loan is a first though and I had no real idea of how competitive they were with this type of financial service until I looked at them in more detail on the loan comparison website. It didn't take me long to see how good their rates are compared to the other main high street lenders and so I went ahead and applied for this personal loan. As with everything else the AA do, this loan application went through very smoothly without any problems and as I was very happy with the terms and conditions of the loan the AA presented me with i didn't hesitate to agree to them and now I am just waiting for the funds to be deposited into my bank account which the AA assure me will be within the next 24 hours so I am more than happy with that.

Review posted by Rob Dinnigan, Leicester

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My brother put me onto the AA when I said I was looking for a really competitive loan and until I checked them out for myself on the loan comparison website I didn't think they would come up to scratch compared to the other lenders and banks. But I am delighted to say they not only came up to scratch they were a lot better than I ever imagined and were able to offer me one of the best rates I could find for this personal loan of 10K. Great recommendation from my brother and a great loan from the AA so I am very happy with the outcome.

Review posted by Mathew Allwright, Hull

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My relationship with the AA goes back many years as I have always tried to have breakdown recovery policies on both mine and my wife's cars throughout the years we have both been driving. Our children are grown up and live miles away so we tend to do a lot of mileage back and forth visiting them when they can't come to us. So driving is a big part of our lives and so this personal loan from the AA is quite appropriate for me especially as it is to buy a new car for my wife. Her old car has come to the end of the road and needs replacing. This AA loan is going to do just that and to top it off we get 12 months free breakdown cover which we are sure we won't be needing for the wife's new car but as mine is getting on a bit and my annual cover is about to expire, it will come in very handy if I start getting problems with it.

Review posted by Malcolm Watkins, Tetford

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I am buying my husband some new golf clubs for his 50th birthday and needed a small loan to help finance it. I didn't want to go through our bank because I really wanted to keep it a secret until the big day. With some help from a friend I went onto the internet and looked for a personal loan and after not too much searching I decided on the AA who do loans that are as competitive as any of the banks. I was also delighted to see that I was entitled to 12 months free breakdown cover which will come in very handy as our family car can tend to be a bit unreliable especially in the winter months.All in all I am very happy indeed with this loan and the golf clubs are now on order ready to be delivered at the last minute so that I don't have to try and hide them for too long.

Review posted by Shirley Biggs, Dudley

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Getting my personal loan from the AA wasn't something I set out to do but I had gone onto the loan comparison website to do some research first and was surprised to see just how competitive the AA loans were. I knew they did more than just breakdown cover but I had no idea just how much they offer in terms of insurance policies and savings accounts.I've just had my loan finalised by the AA at an extremely competitive APR of 4.5% and to sweeten the deal they have given me 12 months free breakdown cover. I definitely think I have got one of the best loans possible and I'm really glad I looked on the loan comparison website first otherwise I might never have given the AA a thought.

Review posted by Richard Chapman, Ashford

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  • Ease Of Use
  • Value For Money

I hadn't had an AA loan for some years so I wasn't sure if they would still be offering competitive enough rates. I had already ruled out my own bank who most certainly weren't offering good enough rates and so I continued looking on the loan comparison website until I came to the AA Loans and was very pleased to see that they were keeping up with the competition. They were offering the free breakdown cover but it still all hinged on whether I could get a APR close enough to the potential 4.4% they were advertising. As luck would have it, I got 4.5 which was good enough for me and I proceeded immediately with the rest of the loan process. I am expecting to funds to reach my account within the next 24 hours and just wanted to say well done to the AA for remaining as competitive as they are with so many other lenders to contend with.

Review posted by Wm Pargitter, Henley-on-Thames

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

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

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

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