AA Member Loan

132 reviews

Representative 8.3% APR

Will lend between: £1,000 - £25,000

Over: 12 - 84 Months

Representative example: If you borrow £4,000 over 36 months at a Representative rate of 8.1% APR and an annual interest rate of 8.1% (fixed) you would pay 36 monthly repayments of £125.34. The total charge for credit will be £500.00 and the total amount payable will be £4,500.

Are you eligible for AA Member Loan?

Check your eligibility before you apply.

  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
Check Eligibility

AA Member Loan customer reviews.

132 reviews

1.8 out of 5 stars

Our review of AA Member Loan

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.


Mark Grimley
Written by
Mark Grimley
Head of Partnerships & Take Control Author at Choose Wisely

Mark joined Choose Wisely in 2015. He continues to work in close contact with the providers, brokers and journalists operating in the world of consumer credit.


  • 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 8.3%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £12

About AA Member Loan

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.

Company information

Registration number: 912211


0800 917 8612

Fanum House, Basing View, Basingstoke, Hampshire, RG21 4EA

FCA registration

Reference No: 727859

Place of business: Fanum House, Basing View, Basingstoke, Hampshire, RG21 4EA

Data protection registration

Registration No: Z1904708

Data controller: AA Financial Services Limited (AAFS)

Address: Fanum House, Basing View, Basingstoke, Hampshire, RG21 4EA

Apply Now