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AA Loans

As you'd expect, AA loans are available for car purchases – but the AA also provides personal loans. For bigger sums the APR is one of the lowest available – 6.7% for loans over £20,000 – and the APR for smaller sums is a reasonable 7.2%. AA loans offer fixed repayments and optional payment protection.

About AA Loans

The AA have a big finance arm, which offers car insurance and now loans too. AA loans are available in two forms: car loans, and standard personal loans. Typical APRs are 7.2% for both products, although if you're borrowing more than £20,000 the APR drops to a very reasonable 6.7% - the lowest fixed rate we've seen.

AA loans will deliver your cheque in 24 hours (although the small print – rather sneakily – states that if you go for this option you'll pay an extra £45 on your first payment), and if you go for the car purchase option you'll get a free AA inspection of the vehicle too. Both products enable you to borrow from £1,000 to £25,000 and repay over a period from 1 to 7 years, and payment protection is available for a small extra fee.

As with other lenders, the rates for AA loans are higher if you borrow smaller amounts: the typical APR for a sub-£5,000 loan is 10.9%, while anyone borrowing less than £3,000 can expect an APR of 14.9%. helps you find the best loans companies for your specific needs, and gives you background information on the various types of loans available in our loans articles, more loans articles and still more loans articles.

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