AA Personal Loans

APR: 3.1% Representative
Loan amount: £1,000 - £25,000
Repayment duration: 12 - 84 Months
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AA Personal Loans customer reviews

3.3 out of 5 from 8 reviews

Great loans

11:08 26-07-2017

Imagevia Choose Wisely

Having read some of the reviews I have to disagree ! You can manage your loan online making extra payments if you want whenever or just keep track of the balance . Also I have 2 loans at same time without clearing first loan both taken out online , the decisions takes minutes & loan paid directly to my bank account within days , much cheaper than bank loan or hire purchase ! Don't hesitate if you need a loan give AA a call or online ! Recommended

Gary K

Helpful staff at call centre

09:44 06-06-2017

Imagevia Smart Money People

I want to change my payment date to the first of the month and its was done in 5 minutes of the phone. Also the APR was considerable better than any hughstreet bank was offering.

Simeon boys-Layton

Higher APR than quoted

09:51 10-11-2010

Imagevia Choose Wisely

Firstly I work in the financial industry. I am in full time employment, my address is 'clean' my credit score (and file) is excellent. I have no other debt other than a loan at 8.4% APR with AA. Called to increase by a small amount (to repay a bond investment) was quoted a rate of 7.7% APR. After the application they offer me a rate of 10.7% APR!! There is no reason for such an increase. Trust me I know. Avoid AA loans at all costs 'footprints' on your credit file are not good.


AA's Great Personal Loans

00:39 31-05-2017

Imagevia Smart Money People

Great personal loan provider, extremely easy online application and low interest rates. Only negatives are that you are not able to create an account and manage your loan online, and they communicate via post rather than via email which is my personal preference. However, the loan was still processed pretty quickly!

Chloe Gavin

Great overall experience

02:48 13-09-2010

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When I called the AA about my loan application, I was put through to a lady within 15 seconds. She went through the application form with me and was very helpful. I did my application on Saturday, my agreement arrived on Tuesday, I sent it back that same day and the money was in my account that following Tuesday! Really impressed and now I have my new car.


Charged for courier service

02:48 13-09-2010

Imagevia Choose Wisely

I applied for a loan with AA and the service was quick and efficient. However, the cheque was sent by courier and they did not inform me of the costs. It took time for the cheque to clear so I was unsure as why it was not done via banks transfer. Also, when I repaid the loan early, I did not get a refund on the interest. My advice would be to make sure you ask them questions about ALL the charges.


Our review of AA Personal Loans

Our review by Alex
Written by: Alex
Consumer sentiment


Although the AA don’t personally pay out the loan amounts (they are a brokerage for Bank of Ireland), their website and information offers the same feeling of security as their breakdown cover. There is lots of information about whether a loan is the right choice for you and they seem to be very conscious of lending responsibly. They clearly set out the criteria of the loan, explain why a customer may receive a certain decision and guide customers through the consequences of taking out a personal loan.

AA Personal Loans have mixed reviews online with some customers claiming to have great credit scores but still getting turned down. There are reports of the AA changing the initial quoted rate of interest after the application has been completed, however, this is to be expected as through gathering personal information they tailor their interest rate to each customer’s individual circumstances. Reviews across the web are quite negative, but with the majority of feedback being from those that have been declined, it’s not surprising.

One thing to note is that if you are an existing customer and wish to borrow more from AA Personal Loans, you will need to settle your existing debt with them and then reapply, which can be an inconvenience if you’re not in the financial position to do so.

Overall verdict: AA Personal Loans seem to take a firm but fair approach. They only accept those with a perfect credit history, so if your credit file has had a couple of wobbles in the past then this is not the loan for you. If you’re a current breakdown customer then AA Loans could be worth considering for convenience, but it’s worth shopping around.



  • Instant decision online
  • No arrangement or set up fee
  • Fixed monthly repayments
  • No fee for repaying your loan early

Minimum criteria

  • You must be aged between 21 and 70
  • No County Court Judgements (CCJs) or bankruptcy
  • You must have a UK based bank or building society account that can pay direct debits
  • You must have a regular income above £12,000 per year
  • You must have been a UK resident for at least 3 years


  • Maximum APR 17.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £12

About AA Personal Loans

Breakdown cover provider AA offer a broker service for personal loans up to £25,000 provided by the Bank of Ireland. Monthly repayments are fixed and loan lengths can range from one to seven years. There are no hidden arrangement charges or set up fees and the AA have a simple but quite lengthy online application process that gives an instant decision.

There are a few criteria that you will need to meet for an AA Personal Loan including being aged 21 or over, be a UK resident for at least three years and have a regular annual income of over £12,000. Approved applicants will be sent their paperwork to sign and send back and once this has been received by AA the loan should appear in your bank account within 2 working days.

The advertised representative APR offered by the AA is tailored to your personal circumstances and takes into account your credit information, your requested loan amount and the length of time you wish to borrow for so it may differ from the advertised rate. Repayments are made monthly by Direct Debit and will be for a fixed amount throughout the duration.

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