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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AA Loans homepage

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

About AA Loans

Driven by constant innovation throughout the years, we're a multifaceted financial services organization constantly upgrading and securing the financial needs of our valued customers.

All through our constant innovation and ongoing development, our internal mission has remained the same – to offer financial solutions which radiate our ambition, expertise and promotes our business strategy.

Upgrade your life - reach your potential

AA Loans' items are centred on the absolute key aspects of people's lives – the financial security of their families whether this is achieved by obtaining a debt consolidation loan or a credit card, we're here to help. We have, through continuous innovation and services that help our clients enhance their wellbeing, secure their financial future and upgrade their lives, being able to achieve this.

A customer-centred approach to finance

Our customer-driven methodology lies at the heart of our business and each and every financial service and product we offer. We aim to help clients achieve their financial freedom and become debt-free. Our range of finance and credit solutions are perfectly suited to help people struggling with debt.

AA Loans Services

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

An individual's credit report records his/her financial behaviour through the years and aides financial organizations and creditors in determining the risk an individual poses in the event that he/she is afforded a line of credit.

When you have a poor credit score

Accessing credit when you have a poor credit score is difficult and mainstream lenders will certainly turn you down.  So what is an individual with bad credit to do when they need a short-term loan?

Thankfully, there are a couple of alternatives an individual with a bad credit score has when searching for a loan.

Loans for people with bad credit

AA Loans can offer people with a bad credit score a plan B; our bad credit loans allow you to access credit and turn your financial situation around. If managed well this loan, which can be either secured or unsecured can help you rebuild your credit 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 Online loan 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 taken out with a lender, despite the fact that someone has poor credit.

Generally speaking, a bad credit loan will tend to cost you more in interest due to the fact that the lender is taking on a greater risk by borrowing to someone who has a history on non-payment. AA Loans provides people who are struggling to manage their debt the option to take out a debt consolidation loan and therefore get a grip on their debt.

We offer personal and bad credit loans of between £1,000 and £25,000 at a Representative 3.9% APR.

A new way to look at debt

By offering financial solutions that meet people's complex needs in reasonable ways, AA Loans' products and services have been made to provide genuine worth and effectiveness for our clients. We don't believe that debt is the end of the road for anyone - it's merely the beginning of change and the beginning of something much better.

The Finer Details from AA Loans

  • AA Loans does not provide bad credit loans directly but will introduce you to Bank of Ireland
  • Our lowest Representative 3.9% APR is valid to customers based on status and the rate you're offered may be different
  • 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
  • Repay your bad credit loan in 1 to 7 years
  • 14-day cooling-off period so you can repay the capital bad credit loan without interest or fees
  • Apply online and get an instant decision where possible
  • Once we have received the duly signed agreement form we will advance your bad credit loan within 2 working days
  • Benefit from fixed monthly payments which allow for better budgeting
  • AA Loans charges no arrangement or set up fees for our bad credit loans

Requirements for applying for a loan with AA

In order to qualify for a quick cash loan with AA Loans you must be aged 21 or over at the end of the loan agreement, have been a UK resident for 3 years or more, have an annual income of £12,000 or more, have no history of CCJ’s or IVA’s and have a bank account which supports direct debits. We will run a credit check to see if you qualify for a bad credit loan with AA Loans and, if your credit score is below our required threshold we will not be able to help you.

A break from the norm

Should you apply for a quick cash loan at a high street bank and be turned down, we suggest you wait for a period of at least 6 months before reapplying. In the event that you cannot wait that long, you can make an application with AA Loans and we will gladly help you as far as possible.

Get a bad credit loan from AA Loans and turn your situation around! 

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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 the UK; FCA number 7022885

Customer Reviews & Testimonials

October 2019

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 —

April 2019

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