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Can motoring organisations get you a better deal?

Motoring organisations such as the AA and the RAC don't just offer breakdown cover: these days, they can provide you with car insurance and motor loans too. Rates are reasonable and both organisations' motor loans include useful extras that make the products more attractive.

The RAC and AA don't just do breakdown cover: they offer insurance and motor loans too. Although the two organisations' products are slightly different they both offer decent interest rates and some useful extras.
Motor loans from the AA ( have a typical APR of 6.5%, and you'll also get a free AA inspection worth £174 to help make sure the car you're buying is worth the money. The RAC ( has a typical APR of 7.4%, and you get free RAC membership if you're not already a RAC member. If you are, you get £60 worth of motoring benefits including a free MOT check.
In both cases the loans are unsecured and APRs are lower than many banks, but if you shop around you may find that you can get even lower rates. It's worth remembering that the APR quoted for AA or RAC motor loans is a typical APR, which means that you might be offered a higher interest rate when you apply. For AA loans the typical APR only applies to motor loans of more than £5,000, while for the RAC the typical rate is for motor loans of more than £6,000. 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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