Rating based on 58 reviews

AA Loans

  • Bad credit loans up to £25,000
  • Low-interest starting from 3.9%
  • Repayment up to 7 years

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Author AA Loans. Screenshot of AA Loans website.
[Accessed September 7, 2021]

About AA Loans

AA Loans has been led by continuous innovation throughout the years and is a multifaceted financial services organization that constantly upgrades and secures the financial needs of its valued customers.

Throughout their development, their internal mission has remained the same, which is to offer financial solutions which reflect their intention, creativity as well as expand their business strategy.

Get the change you need today

AA Loans focus on the ultimate key aspects of people's lives. They can be of help when it comes to the financial security of your family's needs, whether it be by obtaining a debt consolidation loan or a credit card.

AA Loans has helped their clients modify their wellbeing which includes securing their financial future and upgrading their lives. It all has been achieved through their continuous innovation and services.

AA Loans Services

An individual's ability to get any form of credit is based upon his/her credit score.

A credit report holds records of each individual's financial behavior through the years, which helps the financial organizations and creditors to determine the risk an individual stands if they can afford the loan.

Bad credit score

Getting credit when you have a poor credit score is difficult and frontline lenders will turn you down. That is where AA Loans will come in, to save the day. Thankfully, there are a few options an individual with a bad credit score can take when looking for credit.

Bad credit loans

AA Loans can offer people with a bad credit score a plan B which is their famous bad credit loan. It allows you to access credit and turn your financial situation around. If you can manage your finances well, they can be either secured or unsecured which can help you rebuild your value and even consolidate your debt.

AA Loans – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 3.9%
  • Loan Amount up to £25,000
  • Repayment 1 year to 7 years

Benefits of AA Loans

  • Fixed monthly repayments
  • Quick online appl ication
  • Fast response
  • No setup fees

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Get a bad credit loan from AA Loans can help you take control over your finances

Bad credit loans are loans that can be accessed by a lender, despite a poor credit report.

Generally speaking, a bad credit loan will tend to cost you more in interest. This is because a lender is taking on a greater risk by loaning to an individual who has a bad payment history.

AA Loans loan costs

AA Loans provides you with the option to take out a debt consolidation loan which will allow you to get a grip on your finances. They offer personal and bad credit loans of between £1,000 and £25,000 with a Representative APR of 3.9% 

The financial future

AA Loans has products and services that have been made to provide their clients with profound and effective online loans, which is accomplished by offering financial solutions that meet the individual complex needs in reasonable ways. They don't believe that debt is the end, it's more like a road that leads to change and the beginning of something much better.

Perks of the AA Loans

  • AA Loans does not provide direct bad credit loans, but they will introduce you to the Bank of Ireland
  • Their lowest Representative of 3.9% APR is valid to customers based on their status, thus causing a difference in the rates
  • You can take out a short term personal loan of between £1,000 and £25,000
  • Consolidate your debts by replacing all high-interest debts with one single larger loan at a lowest combined interest
  • Lower your monthly repayments with a debt consolidation loan
  • Repayment terms of 1 to 7 years
  • 14-day interest-free period
  • Apply online and get to make an instant decision
  • Once your duly signed agreement form has been received, they will progress your bad credit loan within 2 working days
  • Fixed monthly payments
  • AA Loans charges no arrangement or set up fees for our bad credit loans

Requirements for a bad credit loan

To qualify for a quick cash loan with AA Loans you must be over the age of 21 at the end of the loan agreement. You must also have proof of being a UK resident for the past 3 years or more. They will require you to have an annual income of + £12,000 as well as no history of CCJ or IVA and have a bank account that supports direct debits.

AA Loans will then run a credit check to see if you qualify for a bad credit loan with them. If it is that your credit score is below their required threshold they will, unfortunately, have to decline your application.

Turn your situation around

Should you apply for a quick online loan at a high street bank and be turned down, AA Loans will advise you to wait for at least 6 months before reapplying. If you cannot wait that long, you can make an application with AA Loans and they will gladly help you where they can. Get a bad credit loan from AA Loans and turn your situation around.

Customer-friendly approach

Their customer-friendly system is the center of their business and every financial service and product they offer. AA Loans aim to help their clients achieve their financial freedom and become debt-free. Their range of finance and credit solutions is tailored to help their clients who are struggling with debt.

man holding thumbs up

AA Loans is a trusted & reliable provider of bad credit loans

In our review, AA Loans adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

AA Loans is a registered credit provider in UK: FSA 7022885

Customer Reviews & Testimonials

October 2021

Install a permanent update in your lifestyle when you choose to finance with AA Loans. No matter what your circumstances, they come prepared for every situation. Get the finance you need without ...

Ryan M
— London —

August 2021

AA Loans is truly a bad credit lender that stands out above the rest. They have a highly customer-centred approach that drives their staff to provide the best possible service. They made me feel ...

Amy T
— Brimingham —

AA Loans Contact

Contact Number


  • not available


Physical Address

  • AA Customer Support, Fanum House Basingstoke Hampshire RG21 4EA United Kingdom
  • Get Directions

Postal Address

  • AA Customer Support Fanum House Basingstoke , Hampshire , RG21 4EA, United Kingdom

Opening Hours

  • Monday 08:00 – 18:00
  • Tuesday 08:00 – 18:00
  • Wednesday 08:00 – 18:00
  • Thursday 08:00 – 18:00
  • Friday 08:00 – 18:00
  • Saturday 08:00 – 17:00
  • Sunday 10:00 – 17:00