AA Loans

AA Loans – Loans Bad Credit
image of AA Loans
image of AA Loans

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 centered 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, been able to achieve this.

A customer-centered 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.

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. 

Services – AA Loans

What your credit score means

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 behavior 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.

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! 


Summary of Services

  • Personal loans
  • Car loan
  • Bad Credit Loans


Get a Bad Credit Loan from AA Loans

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.

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.

Contact Details

AA Customer Support, Fanum House
Basingstoke
Hampshire
United Kingdom

Phone: 0800 096 8485 / 0800 085 2721


Postal Address

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

Opening Hours




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